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 122 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: 7/12/2025

Jennifer Schalow

(she/her)

Jennifer Schalow, LPC/MHSP - Tennessee Therapist at Grow Therapy
$150/session
LPC/MHSP
20 years of experience
Virtual
Hello, I’m Dr. Schalow, I’m not the kind of therapist who hides behind clinical language or offers quick fixes. I’m a trauma-informed traumatologist with doctorates in both psychology and theology. My work is grounded in evidence-based treatment, spiritual integrity, and honest, human connection. I don’t just study trauma, I’ve lived through it, healed through it, and now walk with others in compassion and clarity. ✔ Licensed in Tennessee ✔ Licensed in Arkansas ✔ Licensed in Virginia I specialize in trauma recovery, PTSD, anxiety, emotional abuse, religious trauma, and identity restoration. I also work extensively with couples who feel disconnected, stuck, or overwhelmed by communication breakdowns, betrayal, or emotional shutdown. My approach is warm but direct. I combine psychological science, brain-based strategies, solution-focused therapy, and faith-based counseling to help clients move forward with real tools and hope. In my practice, we focus on the whole person, including: mind, body, soul, and relationships. Whether you’re carrying invisible wounds, navigating a major life transition, or simply trying to reconnect with who you are, I provide a safe space for healing, growth, and truth-telling. You do not need to have it all figured out. You just need a place to begin. I work with: ✔ Military service members, veterans, and their families via Military OneSource and TRICARE ✔ First responders and law enforcement ✔ Survivors of trauma, abuse, moral injury, religious abuse, and betrayal ✔ Individuals facing depression, anxiety, burnout, or spiritual confusion ✔ Couples seeking reconnection, repair, and deeper understanding ✔ Clients navigating life transitions, career shifts, or loss of identity Clients often share that for the first time, they feel safe, understood, and empowered to tell their story. If you are ready to do honest, meaningful work and want a therapist who integrates holistically, I would be honored to walk with you.

Sean T. Lanegan

(he/him)

Sean T. Lanegan, LCSW - Tennessee Therapist at Grow Therapy
$150/session
LCSW
9 years of experience
Virtual
Why should you choose ME, over anyone else? That is the burning question. As I sit here and try to think of all the ways to possibly distinguish myself in comparison to my peers and colleagues, one specific thing comes to mind: the exact moment that I knew I wanted to be a therapist. My life’s trials and tribulations have put me in a strangely unique position in regard to understanding and empathizing with much of what is thrown at many of us, and it is because of that, that I found strength in my weaknesses and lowest moments. Readjusting to life after deployments, after the military, after divorce and growing pains and heartache, was a monumentally transitional period of my life, and my therapist bared the brunt of my pain with compassion and grace. In my very last session, I looked him in the eyes and said: “I want to do what you’re doing. I want to help people the way that you’ve helped me. I’ve been on this side of the table – now I want to be on that side.” So, what’re my credentials, expertise, focus and treatment approaches? Credentials: MSW, LICSW (WA), LCSW (HI, TN, TX) Expertise: My background and personal experience of the military and with Post-Traumatic Stress (PTS) ensure that I have a good handling on trauma and know all too well the burdens of Veterans that come with serving your country during war, as well as in the aftermath. Beyond that, I specialize and have experience with anger management, mood disorders, thought disorders, personality disorders, anxiety, social anxiety, depression, grief, eating disorders, self-esteem issues. Approaches: I clinically find myself utilizing a psychodynamic approach to therapy with my clients. I believe we are who we are today based on the many influences we had in our lives, especially in those formidable early childhood years. Oftentimes, we can find the source of your current concerns today by processing how you originally developed your core values and beliefs. These roots run deeper than we typically ever realize without therapy. If you choose to work with me, we will naturally dive deeper into what this may mean for you. The path of healing is not an easy road, nor a short one. Doing the work takes gusto, but I believe that you have it inside of you, and I believe that I am the one for the job to aid in your process and growth. I hope to hear from you soon!!! Respectfully, Sean

Hannah Martin

(she/her)

Hannah Martin, LCSW - Tennessee Therapist at Grow Therapy
$110/session
LCSW
5 years of experience
Virtual
Hey there, I am Hannah. I am a licensed clinical social worker passionate about helping people reach their goals. I am ready to help you find solutions or help you cope when there just isn't a solution. Mental health is a journey, and I will be there to help you every step of the way. I work in person in Chattanooga Monday's and Wednesdays, and virtual Tuesday Thursday and Friday. My hours are 9am to 630pm MWTh and 9am to 530pm Tu and F. I can see people in Florida, South Carolina and Idaho via telehealth. I accept most commercial insurances and TN Medicare and in the process of getting paneled with TN medicaid.

Pam Nuchols

(she/her)

Pam Nuchols, LCSW - Tennessee Therapist at Grow Therapy

Frequently rebooked

$120/session
LCSW
24 years of experience
Virtual
Greetings! I am a Licensed Clinical Social Worker (LCSW) based in Tennessee. The past 23 years I have worked in a variety of therapeutic roles in a variety of populations. I specialize in treating trauma and women's issues, but I don't exclusively see women. My job is to make you feel safe and comfortable when doing the work, and I am pretty good at it. Looking forward to getting to know you and walk along your recovery path together.

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.

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.

Kelly Franklin

(she/her)

Kelly Franklin, LPC/MHSP - Tennessee Therapist at Grow Therapy

Frequently rebooked

$100/session
LPC/MHSP
10 years of experience
Virtual
My name is Kelly Franklin and I am a Licensed Professional Counselor with a Mental Health Service Provider designation (LPC-MHSP) in Tennessee. I specialize in helping individuals who are experiencing trauma, PTSD, anxiety, depression, grief, and navigating significant life changes. I am passionate about providing a safe non judgmental space where you are seen and heard. Together we can outline the steps to reach your goals of healing and well being. It is such a wonderful journey!

Edward Korn

Edward Korn, LCSW - Tennessee Therapist at Grow Therapy
$100/session
LCSW
22 years of experience
Virtual
With over 20 years of experience, Edward Korn is a seasoned therapist committed to guiding individuals from all walks of life towards emotional well-being and resilience. He is a graduate of the top-ranked University of Michigan School of Social Work and has worked with all populations by telehealth for the past few years. Specializing in Cognitive Behavioral Therapy, Solution Focused Therapy, and Motivational Interviewing, he crafts personalized treatment plans to empower his clients to face life's challenges head-on. Choose Edward for a therapeutic journey designed to inspire growth, self-awareness, and lasting change.

Jessie Whitfield

Jessie Whitfield, LPC/MHSP - Tennessee Therapist at Grow Therapy
$125/session
LPC/MHSP
14 years of experience
Virtual
Hi, I'm Jessie, a compassionate therapist dedicated to women's mental health. Have you ever felt lost in your marriage or your motherhood? Do you feel like the stress and anxiety of daily life leave you with less than you desire for yourself or your family? With a profound understanding of the intricate ties between emotional well-being and relationships, I can help guide you toward healing. Drawing from my expertise in trauma therapy, I provide a safe space for addressing past wounds. My empathetic approach extends to addressing common struggles like anxiety and depression. With a nurturing focus on marriage and motherhood, I empower you to embrace your roles while caring for your mental health.

Katherine Combs

Katherine Combs, LPC/MHSP - Tennessee Therapist at Grow Therapy
$120/session
LPC/MHSP
12 years of experience
Virtual
I am licensed to work with those in the state of Tennessee, USA. I have over 20 years experience working in the mental health field, 12 of those years specifically working as a therapist. My experience consists of helping clients with family conflicts, trauma and abuse, parenting issues, mood disorders, anxiety, & depression. I also have taught parenting classes, which allowed me to help parents in their relationship with their children. I am trained in Trauma Focused Cognitive Behavioral Therapy (TF-CBT). While I have been trained in various therapy techniques, I have found most relation in the Solution Focused umbrella utilizing Narrative therapy. Solution Focused therapy helps people recognize how to work towards what they want- including how Narrative therapy sees each person’s storyline from their past, separating themselves from their problem (instead of living stuck), and recognizing how they want their story to continue. I believe that you are the expert of your story and that you have many strengths to overcome your challenges. Different situations can take place without our ability to feel prepared. You can take time for yourself and begin processing, in a safe and secure manner, through teletherapy services.

Alex Wright

(he/him)

Alex Wright, LPC/MHSP - Tennessee Therapist at Grow Therapy
$140/session
LPC/MHSP
15 years of experience
Virtual
Hi, my name is Alex and I offer a safe, healing presence for those suffering from substance misuse, sex and pornography addiction, and trauma. Although the therapeutic process is different for each client, my approach utilizes mindful, experiential therapy, and addresses both the symptoms and the underlying causes of trauma and addiction, ultimately resulting in life-long recovery. Feel free to visit my website: https://alexwtherapy.com for more information.

Lee Owen

(he/him)

Lee Owen, LCSW - Tennessee Therapist at Grow Therapy

Frequently rebooked

$120/session
LCSW
5 years of experience
Virtual
Hello! My name is Lee Owen, and I am a Licensed Clinical Social Worker (LCSW) providing virtual therapy in Tennessee. My focus is serving young adults and adults navigating life transitions. I believe that the emotions we are most tempted to run away from– fear, grief, anger– exist to tell us about the kind of life we want. I help clients learn to identify and listen to their emotions rather than being overwhelmed or shut down. I use evidence-based approaches to treat depression, anxiety, trauma and PTSD, and eating disorders. We will also work together to increase mindfulness and self-compassion and strengthen the relationships in your life.

Robyn Chaffee

(she/her)

Robyn Chaffee, LPC/MHSP - Tennessee Therapist at Grow Therapy
$125/session
LPC/MHSP
5 years of experience
Virtual
I’m a Licensed Professional Counselor who believes in a collaborative therapeutic relationship, where both therapist and client can show up authentically. I prioritize each client’s sense of safety and honor that trust is built over time. My approach is client-centered, relational, and trauma-informed. I love to laugh with my clients and also gently offer reflections, observations, and connections to support deeper insight. I take an integrative approach to therapy, drawing from multiple modalities to meet each client’s unique needs. I’ve been working in the mental health field since 2015, primarily in community-based settings, and I’m passionate about walking alongside clients as they reclaim their stories and build lives rooted in authenticity and self-trust.

Ben Smith

Ben Smith, LP - Tennessee Therapist at Grow Therapy
$160/session
LP
12 years of experience
Virtual
Are you feeling stuck and unsure of how to get past symptoms of anxiety, depression or past trauma? It's common to experience mental health-related challenges in life and to get stuck at times. We're not born with a built-in understanding of how to be psychologically healthy, so sometimes it's a good idea to get a little guidance from an unbiased professional. My ideal client is motivated to understand themselves better and to make the necessary adjustments to improve their quality of life.

Madolyn Statler

(she/her)

Madolyn Statler, LCSW - Tennessee Therapist at Grow Therapy
$125/session
LCSW
6 years of experience
Virtual
Hi there! My name is Madolyn, and I am a Licensed Clinical Social Worker (LCSW) based in Nashville, Tennessee. It's a big deal to look for help! Trusting another person to help make you or your child better is a huge leap, and it is a privilege I do not take for granted. I received my Master's in Social Work from the University of Tennessee and my Bachelor's in Psychology from the University of Mississippi. I have worked in social work for 10 years, and have been a practicing clinician for 5 years. I love serving the younger population as they make sense of their world!

Sheri Dye

(she/her)

Sheri Dye, LPC/MHSP - Tennessee Therapist at Grow Therapy

Frequently rebooked

$125/session
LPC/MHSP
14 years of experience
Virtual
As a therapist, I understand that seeking help can be a difficult and courageous decision; but it is also the first step towards change and growth. With a compassionate and collaborative approach, I am committed to helping my clients navigate through their challenges and reach their full potential. Whether you are struggling with anxiety, depression ,or any other mental health issue, I am here to provide a safe and supportive space for you to heal and thrive.

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.

Jeremy Pitzer

Jeremy Pitzer, LCSW - Tennessee Therapist at Grow Therapy
$160/session
LCSW
20 years of experience
Virtual
Hello! I am a Licensed Clinical Social Worker and have been practicing in a variety of settings for 20 years. I enjoy working with clients and families to build upon skills and resilience that will serve them in their treatment journey. I have extensive experience treating trauma, mood disorders, self harm / suicidal thinking, anxiety and addiction. I believe clients can and should thrive in the therapeutic experience.

Joan Popkin

(she/her)

Joan Popkin, LP - Tennessee Therapist at Grow Therapy

Frequently rebooked

$250/session
LP
21 years of experience
Virtual
Greetings! I am a Licensed Psychologist based in Tennessee and also have my PSYPACT authorization. I received my Ph.D. from the University of Tennessee and have been practicing for over 20 years. I am a generalist treating a variety of conditions across the life span utilizing a holistic approach. I believe in the integration of diverse services to enhance optimal interventions for children, youth, and adults. I help clients at every stage of life struggling with anxiety, stress, depression, and trauma. I specialize in helping people achieve their own definition of a healthier life in a supportive environment.

Jennifer Roney

Jennifer Roney, LPC/MHSP - Tennessee Therapist at Grow Therapy

Frequently rebooked

$120/session
LPC/MHSP
12 years of experience
Virtual
Do you struggle with feeling “good enough”? Are you sick of feeling overwhelmed, exhausted, and stressed? Do you feel like some days you are just going through the motions or barely have your head above water? I specialize in helping people understand themselves better so that they can actively work towards healing. I am passionate about helping individuals that struggle with anxiety, traumatic events, perfectionism, overthinking, fear, life transitions, and faith based concerns.

Chris Campbell

Chris Campbell, LMFT - Tennessee Therapist at Grow Therapy
$95/session
LMFT
33 years of experience
Virtual
Hello, I am a licensed marriage and family therapist in the states of Texas and Tennessee with 30 years of counseling and ministry experience. I began as a minister of the Gospel in the Southern Baptist tradition in 1993 working with the homeless to overcome the struggles of addiction and hopelessness in North Carolina and Tennessee. From there, I became a case manager in a rural oupatient behavioral health clinic helping the chronically mentally ill live independently outside of the institutional settings. As my family of five children grew, my wife encouraged me to join the military in 2007 and for the next 13 years we served alongside our Soldiers and their Families as a chaplain. There, I learned through experience how to work through the stress of multiple transitions, the unyeilding demands for time and energy, and the unjust nature of toxic environments. I learned how to support those who wanted to strengthen themselves and their relationships in these environments and to ultimately be at peace with who they are and who they want to be. As I have matured in my training and become licensed in marriage and family therapy, I have found that I now specialize in using Solution Focused therapy and Cognitive Behavioral Therapy to help individuals identify their strengths and the beliefs that are guiding their behavior. With this knowledge, people can begin to choose who they want to be.

Jodie Robison

(she/her)

Jodie Robison, LPC/MHSP - Tennessee Therapist at Grow Therapy
$120/session
LPC/MHSP
20 years of experience
Virtual
As a therapist, I am rewarded by helping people realize their full potential. As part of that process, I take the time to develop a solid connection with my clients to ensure optimal understanding of their concerns and goals, and collaboratively develop a treatment plan that works for them. I am trained in several evidence-based therapies and utilize them to help my clients achieve their goals.

Amy Bichsel Pacheco Piña

(she/her)

Amy Bichsel Pacheco Piña, LCSW - Tennessee Therapist at Grow Therapy
$120/session
LCSW
16 years of experience
Virtual
**Only offering Saturday appointments at this time.** Welcome! I'm Amy. I wonder if you ever feel like you are in a thunderstorm with no shelter in sight? Or your worries are so heavy that they spill into your dreams? To be human is to struggle. Maybe you have been struggling for a long time or maybe just a short while. No matter what storm you are weathering, I am here to walk beside you and help you find shelter. My specialties include the treatment of anxiety, grief/loss and self worth. Difficulties in life are usually more complex than just falling into one category or another; but know that you are seen. Together, we can find a healing approach that works best for you. There is no judgement here. Only unwavering support and tools to help get you feeling better.

Tonya Shanks

(she/her)

Tonya Shanks, LCSW - Tennessee Therapist at Grow Therapy
$130/session
LCSW
3 years of experience
Virtual
Hi! I am a Licensed Clinical Social Worker and received my Masters from Aurora University. I have specialized training in EMDR and TF-CBT and have spent the last 19 years of my career as a social worker and therapist working with all age groups. I provide a safe, supportive space for children, adolescents, and adults to process their experiences and develop healthy coping strategies.

Ashley Bigham-Hendricks

Ashley Bigham-Hendricks, LCSW - Tennessee Therapist at Grow Therapy
$75/session
LCSW
3 years of experience
Virtual
Hi! I'm a Licensed Clinical Social Worker (LCSW) based in Tennessee. I received my master's from the University of Tennessee along with a certificate for The Treatment of Trauma. I have been practicing for 8 years. I help people of all ages identify their triggers, process their trauma, and learn healthy coping skills and boundaries and how to improve relationships and self-care.

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 Trauma and PTSD?

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, Trauma and PTSD, 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.