Therapists that accept Cash Pay in Tennessee

Choosing a cash pay option for mental health care can provide flexibility and access to quality support without the constraints of insurance networks. With 12 verified therapists in Tennessee who accept cash pay, you can explore therapeutic approaches such as cognitive behavioral therapy, solution-focused therapy, and supportive counseling to address a range of concerns, including anxiety, depression, and ADHD. Each Grow Therapy-verified therapist that has a cash pay option listed below is currently welcoming new clients and has availability soon, offering you a straightforward path to compassionate, accessible care on your terms.

Availability updated: 7/2/2025

Sheila Stoner

(she/her)

Sheila Stoner, LPC/MHSP - Tennessee Therapist at Grow Therapy
$125/session
LPC/MHSP
11 years of experience
Virtual
I am licensed in Tennessee with 10+ years of professional work experience. I have experience in assessing clients with coping with grief and loss, parenting issues, anger management, & coping with life changes. I work with my clients to create an open and safe environment where thoughts and feelings can be shared without fear of judgment. Taking the first step to seeking a more fulfilling and happier life takes courage. I am here to support them in that process.

Lindsey McAllister

(she/her)

Lindsey McAllister, LCSW - Tennessee Therapist at Grow Therapy
$120/session
LCSW
6 years of experience
Virtual
I help individuals navigate life’s challenges, heal from past experiences, and create meaningful change and empowerment. I specialize in working with addictions, anxiety, trauma, relationship issues, and life transitions, using a blend of evidence-based and humanistic approaches. My goal is to create a supportive, collaborative space where you can explore your experiences, build resilience, and move toward the life you want to live.

Jackie Taylor-Mays

(she/her)

Jackie Taylor-Mays, LCSW - Tennessee Therapist at Grow Therapy

Frequently rebooked

$125/session
LCSW
30 years of experience
Virtual
If you're in need of a concerned and respectful therapist, I'm the person for you. I help people struggling with anxiety, addiction, depression and relationship issues. I’ve accomplished over 20 years of experience as a Licensed Clinical Social Worker with a graduate degree from University of Tennessee and 10 additional years of experience specific to justice-related mental health counseling. I am the ideal therapist for someone interested in reaching goals and becoming their best version. I’m empathetic and can relate to life experiences and be open and honest in giving feedback and suggestions. A therapist with active listening skills is essential for clients to be heard. Being heard and understood without judgement is a major step in the healing process.

Terri Hoag

(she/her)

Terri Hoag, LCSW - Tennessee Therapist at Grow Therapy
$150/session
LCSW
30 years of experience
Virtual
Hi, I am a Licensed Independent Clinical Social Worker. I currently live in Mobile, Alabama but I am licensed in four other states as well. I have a Masters Degree in Social Work from the University of Iowa. I have been a Social Work for 30 years and have worked with all ages. I feel my purpose is to help you identify ways to improve your life.

Dawn Jones-Wilson

Dawn Jones-Wilson, LPC/MHSP - Tennessee Therapist at Grow Therapy
$115/session
LPC/MHSP
16 years of experience
Virtual
Dawn Jones-Wilson is a licensed professional counselor who strongly believes that growth is crucial to her clients' success. Dawn earned a Master of Education in Counseling and Human Development with a focus on mental health counseling from Lindsey Wilson College. Over the past 15 years, she has provided counseling services to diverse populations in a variety of settings.  Dawn is passionate about helping people find the courage to pursue their goals and reach their full potential. In order to be the best therapist she can be, she is dedicated to continuously growing.

Kaja Switalska

(she/her)

Kaja Switalska, LCSW - Tennessee Therapist at Grow Therapy
$100/session
LCSW
8 years of experience
Virtual
I became a therapist simply because I’ve always wanted to help people. I've seen firsthand the incredible power of connection and how transformative it can be to have a non-judgmental, unbiased person who truly listens to you in therapy. That kind of support creates a space for growth and healing, and it’s something I’m passionate about offering to others. Being able to witness someone’s journey as they feel heard and understood is one of the most rewarding parts of this work. Growing up, I struggled with feeling like I belonged and often felt inadequate. Those experiences made me realize how important it is to have a safe space where you can be heard. I’m truly honored to be by someone’s side as they take strides toward becoming the best version of themselves and improving their lives. Everyone deserves that kind of support, and I’m grateful to offer it. Hi, I’m Kaja Switalska, a Licensed Clinical Social Worker specializing in helping adults, with particular focus on college-aged individuals, manage anxiety, depression, substance abuse, and adjustment issues. I aim to provide a welcoming, judgment-free space where you can feel heard. I often use humor to keep things light while also addressing real challenges. In our first sessions, we’ll get to know your unique needs and develop attainable goals. My approach blends CBT, mindfulness, solution-focused strategies, and motivational interviewing.

Tiffany Fields

(she/her)

Tiffany Fields, LCSW - Tennessee Therapist at Grow Therapy
$130/session
LCSW
15 years of experience
Virtual
Beginning therapy is a deeply personal decision and often comes with a mix of curiosity, hope, and understandable hesitation. As a seasoned professional with over 15 years of experience specializing in trauma-informed care, I understand the profound impact that life experiences can have on our emotional and psychological well-being. My approach integrates evidence-based clinical modalities with a deep respect for your individual journey. The goal is never to push past your boundaries, but to honor them—creating a space where you feel safe, seen, and supported.

Latrice Mcclorn

(she/her)

Latrice Mcclorn, LCSW - Tennessee Therapist at Grow Therapy
$70/session
LCSW
7 years of experience
Virtual
As a licensed clinical social worker, I specialized in assisting women who are facing challenges in their relationships, struggling with self esteem, or navigating the complexities of anxiety and depression. Whether you are dealing with unresolved interpersonal conflicts, feeling overwhelmed by life's demand, or seeking a deeper understanding of yourself, I am here to support you in creating meaningful change. Whether you are dealing with anxiety, depression, chronic relationship issues, my goal is to help you gain insight, build coping skills, and achieve the personal growth you deserve.

Taylor Clark

(she/her)

Taylor Clark, LCSW - Tennessee Therapist at Grow Therapy
$80/session
LCSW
5 years of experience
Virtual
Hi, my name is Taylor. I am a Licensed Clinical Social Worker that prefers to use an integrative therapy approach in additional to the strengths based model to tailor treatment plan to client goals. I have been a social worker since 2015 although I completed my Master Social Work degree in 2018. I received my LCSW in 2023 and I currently work as an Inpatient Psychiatry Social Worker in addition to have this small virtual private practice. I am licensed to see clients in both North Carolina and Tennessee. In addition to LCSW, I am a Licensed Clinical Addictions Specialist-Associate.

Kat Andrade

Kat Andrade, LCSW - Tennessee Therapist at Grow Therapy
$120/session
LCSW
28 years of experience
Virtual
Greetings, my name is Dr. Katherine Andrade, and I am a Licensed Clinical Social Worker. I have 28 years of experience working in Medical, Health, Mental Health, and Substance Use. I have worked as a school, mental health, medical, and military social worker. I have a Master's and Doctorate degrees in Social Work. I specialize in working with adults/seniors with mental health and substance use challenges as well as family issues, stress, adjusting to medical challenges, and military/veteran issues.

Sarah Long

(she/her)

Sarah Long, LCSW - Tennessee Therapist at Grow Therapy

Frequently rebooked

$125/session
LCSW
18 years of experience
Virtual
I'm a clinical social worker, and I finished my Masters of Science in Social Work in 2008 at the University of Tennessee. What this means is that I am trained to provide therapy services to people struggling with lots of different issues. It also means that I hold closely in mind what experiences people have had in their lives that come up for them and how their environments affect them as well.

Amanda Mills

(she/her)

Amanda Mills, LPC/MHSP - Tennessee Therapist at Grow Therapy
$100/session
LPC/MHSP
8 years of experience
Virtual
Amanda is a licensed professional counselor and a mental health service provider in the state of Tennessee. She is also a Nationally Certified Counselor and a Certified Clinical Trauma Professional. Amanda is a graduate of Middle Tennessee State University where she earned dual bachelor’s degrees in psychology and sociology, followed by a Master’s degree in Professional Counseling. She has extensive experience in various mental health and substance abuse treatment settings, including inpatient psychiatric settings and community mental health programs. Amanda focuses on creating a safe space where individuals, couples, and families can feel safe, heard, and validated. She utilizes a person-centered approach while working collaboratively to build goals for treatment. She uses a variety of therapeutic modalities when working with her clients, including Cognitive Behavioral Therapy (CBT), Dialectical Behavioral Therapy (DBT), Solution-Focused Therapy, and Acceptance and Commitment Therapy (ACT). Amanda may also utilize skill development and psychoeducation as needed. In her free time, Amanda loves reading, cooking, spending time with animals (especially her four dogs: three Boston Terriers; Winston, Hazel, and Louise; and one Miniature Schnauzer; Archie), going on new adventures, and bringing joy wherever she can.

Frequently asked questions

Why filter by Tennessee rather than a city like Nashville?

When looking for online therapy, you can see anyone that is credentialed in the state. We want you to find the best fit, therefore, Grow Therapy shows available therapists across Tennessee from Memphis to Knoxville! If you’d rather see someone in-person, you can change the filter from virtual and find a therapist near you in Tennessee.

Will my therapist take insurance?

When booking you’ll be asked to verify with your Member ID. However, if you don’t have any of the insurances available you can select cash. Our therapists will have their cost of appointment on their profile. Individual session costs will vary.

How does the Specialty Filter work? Can I find a therapist that focuses on Substance Misuse?

The specialty filter is optional. You don’t need to check any boxes to see a provider. However, fit is very important when selecting an online therapist. If you have knowledge or experience to recognize what specialties you may need. For example, your selected specialty, Substance Misuse, is filtering therapists in Tennessee that work with patients with similar concerns.

Why use Gender, Age, and Identities filters?

Finding a provider with a similar life experience can be beneficial because it can be easier to establish rapport and potentially be understood quicker and clearer.

What to expect during your first session?

Your first therapy session is for you and your therapist to meet each other and to ask any questions that you have about the counseling process. This is where you can expect your therapist to do the same as they will ask questions to gain insight into your specific situation. In this first session the therapist is doing their part to gather as much information so they can better assess if they are able to meet your therapeutic needs.

Depending upon your provider's specialty, you may also discuss the methods the therapist will use. For additional information on therapy methods, please visit the Grow Therapy Help Center. Some people feel nervous before their first appointment, and that is totally normal! Coming prepared with a list of questions for your therapist may help. Remember, you're taking a brave step by seeking therapy, and it is okay to be nervous as you try something new.