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 244 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.

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MemphisChattanoogaClarksvilleMurfreesboroJohnson CityKnoxvilleBrentwood

Availability updated: 10/14/2026

$165/session

Warm
Solution oriented
Authentic
Specialties
Anxiety
Depression
Family Conflict
+7
Hello and welcome! I'm glad you found me and I would be excited to work with you. I am a Licensed Marriage & Family Therapist practicing in California, Tennessee and Michigan with over 28 years of experience helping adults, teens, couples and families. My experience level allows your therapy to be efficient and meaningful. You will feel relief as our work together supports your growth and the more you can commit to and engage in the process, I will meet you, guide you, and help you build success. ***PLEASE USE ANY TIME SLOT TO SCHEDULE AN APPOINTMENT AND I WILL CALL YOU TO FIND A CONVENIENT TIME.
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Often rebooked

$110/session

Warm
Authentic
Solution oriented
Specialties
ADHD
Anxiety
Autism
+9
Hello! am a LPC-MHSP in the state of Tennessee. I am a compassionate and client-centered counselor dedicated to supporting individuals in overcoming life's challenges and improving their overall well-being. Using evidence-based approaches such as Cognitive Behavioral Therapy (CBT), and Dialectical Behavior Therapy (DBT), I help clients develop practical skills for managing their emotions, improving their relationships, and enhancing their quality of life. Whether you're struggling with anxiety, depression, relationship issues, or simply feeling stuck, I am here to provide you with the support, guidance, and empowerment you need to create positive change and live a more fulfilling life.
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$110/session

Warm
Authentic
Solution oriented
Specialties
Anxiety
Obsessive-Compulsive (OCD)
Trauma and PTSD
+9
If your mind won’t slow down, you’re constantly overthinking, or you feel stuck in the same exhausting patterns; you’re not alone. Anxiety and depression can show up in ways that are hard to explain but very real to live with. In therapy, we focus on understanding what’s going on beneath the surface and building tools that help you feel more grounded and in control in everyday life, not just during sessions. Hi, I’m Ivorie, an LCSW in Tennessee with 8 years of experience providing therapy in schools and private practice. I’ve worked with kids, teens, and adults navigating anxiety, OCD, stress, and overwhelming life transitions. My school-based background shaped my practical, down to earth approach: meeting people where they are, breaking things down clearly, and helping them apply what we discuss outside of session. My style is warm, supportive, and honest. I strive to create a space where you feel safe, understood, and comfortable showing up as you are. Together, we’ll explore what’s beneath the surface, connect the dots, and find approaches that work for your real life.
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New to Grow

$120/session

Specialties
Anxiety
Spirituality
Trauma and PTSD
+9
I am a Licensed Professional Counselor with over 25 years of experience working with individuals and families in a variety of areas such as anxiety, depression, parenting, infertility, relationship issues, abuse, trauma, adoption, grief and loss, professional/ministry burn-out, spiritual abuse, and faith related concerns. I serve from a compassionate and trauma-informed approach, blending clinical expertise with biblically-grounded wisdom to promote healing and assist clients in their journeys toward peace-filled and joyful living.
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$120/session

Warm
Authentic
Solution oriented
Specialties
Anxiety
Depression
Women's Issues
+7
I am a licensed therapist with 30+ years of experience working with adults and couples navigating life challenges, relationship concerns, and personal growth. I believe therapy is most helpful when people feel respected, understood, and supported in exploring both difficulties and strengths. My goal is to provide a thoughtful, collaborative space where clients can gain insight, develop practical tools, and move toward meaningful and lasting change.
VirtualAvailable
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$140/session

Solution oriented
Authentic
Empowering
Specialties
Anxiety
Life Transitions
Self Esteem
+8
Hi there. I feel very lucky to be able to help others achieve the life they are yearning to have. I use CBT, DBT, and ACT with individuals so they can better understand themselves, identify the barriers that are leading to their frustrations and feelings of anxiety and depression and identify solutions to overcome these barriers. Then clients can find the joy and peace they most desire in their lives.
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$150/session

Authentic
Intelligent
Solution oriented
Specialties
Anxiety
Coping Skills
Depression
+10
Welcome to my practice designed to help you truly flourish. As your therapist I combine deep healing tools with forward focused approaches. Together we will not just manage your symptoms, we will uncover your strengths, clarify your values and actively build a life you love. My approach focuses on helping you safely process your current struggles and also give you a practical toolkit for day to day modern challenges. I am passionate about the unique roles animals play in your well-being.
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$120/session

Authentic
Humorous
Warm
Specialties
Coping Skills
Life Transitions
Peer Relationships
+2
Hi there! It's so nice to virtually meet you - I don't tend to enjoy small talk and I don't find credentials to be all that interesting (LCSW in TN), so I am going to tell you some facts about myself. I believe the most important part of therapy is the therapeutic relationship, so if we have similar interests and/or values, we may be a good fit. Here we go: - I am an unapologetic Swiftie - I hand out book recommendations and quotes like they're candy - I have a deep passion for travel - and especially get a kick out of doing it on a budget - I am a bit of a personal finance nerd, to the point of getting a certificate in Financial Social Work (that's right- that means we can work on your finances together!) - I am a big fan of social justice and human rights - I have two dogs - a chocolate lab and a boxer - I enjoy getting outdoors and into the backcountry - I always get my daily dose of reality tv Here is one of my favorite quotes: "These are the words I want on my gravestone: that I was a helper, and that I danced." Anne Lamott
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$105/session

Authentic
Solution oriented
Empowering
Specialties
Anxiety
Life Transitions
Spirituality
+5
Hi, I'm Kelcie, and I've been a licensed professional counselor in Tennessee since 2022. I believe that relationships are the cornerstone of our lives and shape how we experience joy, pain, growth, and healing. In our world of ever increasing technology, many of us are digitally connected but feel overstimulated, over-informed, and disconnected in our personal lives. I am passionate about helping my clients experience peace and have meaningful, healthy connections in their real lives.
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$150/session

Warm
Authentic
Empowering
Specialties
Anxiety
Mood Disorders
Trauma and PTSD
+10
Hi I'm Christy. Do you sometimes find that you are your own worst enemy? Finding fault with everything you do, never feeling like you're living up to expectations? My goal in therapy is to help you turn your inner critic into a compassionate voice that can comfort you when you're down and give you the inspiration you need to reach your goals. We will work together to help you get to know yourself so that you will be able to care for yourself, identify your strengths, and give yourself the encouragement you need to succeed. I will also help you learn how to be more resilient in the face of obstacles so that you will be better able to find new solutions.
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$150/session

Authentic
Solution oriented
Direct
Specialties
Addiction
Anxiety
Men's Issues
+3
As a clinical mental health therapist and high-performance coach, I am passionate about helping men navigate the complexities of life. Specializing in identity, anxiety, depression, career challenges, resilience, perfectionism, communication, and conflict, I offer a tailored approach that fits the unique needs of each client. My mission is to help high-performing individuals like you not just survive, but thrive, both personally and professionally.
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$125/session

Authentic
Warm
Open-minded
Specialties
Anxiety
Depression
Family Conflict
+10
Hi there! I’m a Licensed Professional Counselor with six years of experience working across a variety of mental health settings. Originally from Belzoni, Mississippi, I bring both professional expertise and a strong sense of community into my work. In my free time, I enjoy exploring new restaurants, traveling, and spending quality time with family and friends. These experiences help me stay grounded and connected, which I carry into my counseling practice. As a therapist, I strive to create a safe, nonjudgmental, and nurturing environment where clients feel supported as they learn, heal, and grow at their own pace. I believe that one of the most important aspects of counseling is the relationship between therapist and client, and I am committed to building a trusting, collaborative connection with each person I work with.
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$130/session

Warm
Authentic
Empowering
Specialties
Anxiety
Depression
Trauma and PTSD
+10
You’re used to handling a lot. Whether it’s your career, your relationships, or being the person others rely on, you’ve learned how to push through—even when it’s exhausting. But at some point, pushing through stops working. I work with adults who are navigating anxiety, burnout, trauma, and relationship patterns—especially when life looks “together” on the outside but feels overwhelming or unsustainable underneath. Many of my clients are thoughtful, capable, and self-aware, yet find themselves stuck in cycles like overthinking, people-pleasing, or feeling disconnected from themselves or others. My approach is trauma-informed, relational, and grounded in evidence-based practices, including Cognitive Behavioral Therapy, Dialectical Behavior Therapy, and attachment-based work. In our sessions, we’ll look at both the deeper patterns shaping your experiences and the practical strategies that help you feel better day-to-day. Clients often come to therapy wanting relief from constant stress or mental overload. Over time, they develop a clearer understanding of themselves, stronger boundaries, and the ability to respond to challenges with more focus and confidence. I’m active and engaged in the therapy process. I won’t just sit back and listen. I help you connect the dots, notice patterns in real time, and build tools that actually translate into your daily life. I bring 5 years of experience in community mental health, working with children, adolescents, and adults. Clients often describe me as calm, steady, and easy to talk to—while also helping them move forward in meaningful ways.
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$150/session

Warm
Authentic
Solution oriented
Specialties
Anxiety
Couples Counseling
Depression
+8
Karen Collins is a psychotherapist in private practice in Palm Beach Gardens, FL. She is originally from Ohio and graduated from The Ohio State University. She has worked at inpatient adult and adolescent psychiatric hospitals in Ohio for 8 years along with managing her private therapy practice and teaching at The Ohio State University. Then in 2012, she moved to Jupiter, FL where she began working at the West Palm Beach VA Medical Center for 10 years. Her career at the WPB VA Medical Center offered her the opportunity to work with Veterans in the following capacities over that 10 year period; as a Mental Health Therapist, Program Manager of Post Deployment Clinic and the Care Giver Support Program, Supervisor of Homeless Programs and Supervisor over programs serving Veterans with serious mental health conditions. In addition to working at the WPB VA Medical Center, she had a private practice in Jupiter, FL. In March of 2022, she left the WPB VA Medical Center in February to focus completely on her private practice which moved with her from Jupiter to Palm Beach Gardens, FL. She has published two books, one on relationships and another on managing depression. She has written a couples interactive co-journal and has published multiple articles on relationships, depression, improving well-being, thriving during and after a serious health issue and reducing acute stress response. She has a YouTube Channel, “Therapy with Karen Collins” where she posts peaceful places, guided meditations, provoking ideas to consider and a segment on managing acute stress response and improving overall well-being to teach how to prevent over-responding to stressors. She has provided therapy virtually for over 12 years.
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$140/session

Solution oriented
Intelligent
Open-minded
Specialties
Anxiety
Couples Counseling
Depression
+8
Hi! I am a psychotherapist (LCSW) with 11 years of practice in the clinical field and over 30 years of experience in the Christian approach. I graduated from the University of Hawaii but serve both Hawaii and Tennessee. I do my best work with clients who are seeking an amalgamation of the clinical and Christian approaches specifically in couples work and infidelity recovery. I have also seen some remarkeable transformations using experiential therapies for more trauma-related presentations.
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$150/session

Warm
Open-minded
Authentic
Specialties
ADHD
Anxiety
Depression
+9
I am a Licensed Marriage and Family Therapist (LMFT) who is trauma-informed and deeply passionate about the healing that can take place within the therapeutic relationship. I believe therapy can be truly life-changing, and it continues to amaze me what can unfold in the course of a single hour when someone feels safe, seen, and supported. At the heart of my work is the belief that life is about connection—that relationships are what give our lives meaning and are often the reason we get up each day, whether those connections are with partners, family, friends, or ourselves. My goal is to help clients strengthen these relationships, heal from past wounds, and experience greater emotional safety, understanding, and fulfillment.
VirtualAvailable
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Often rebooked

$175/session

Solution oriented
Warm
Empowering
Specialties
ADHD
Anxiety
Autism
+6
I’m a licensed psychologist (PhD) specializing in autism, ADHD, and complex patterns in both children and adults. I work with thoughtful individuals and parents who feel stuck, overwhelmed, or like something isn’t fully adding up—especially when traditional approaches haven’t helped. My approach is warm, direct, and insight-driven. I don’t just listen—I help you understand patterns, make sense of what’s going on, and figure out what actually works for your brain (or your child’s). I’m neurodiversity-affirming and experienced in differentiating anxiety, burnout, ADHD, and sensory or social overwhelm. With parents, I focus on helping you understand your child more clearly and respond in ways that actually work—so things feel more manageable at home. Sessions are collaborative, practical, and focused on meaningful change.
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$100/session

Authentic
Open-minded
Warm
Specialties
Anxiety
Depression
Trauma and PTSD
+10
Hello, thank you for considering me to help you on your healing journey. I am an LCSW and I have been a mental health professional for the past 15 years. My style is eclectic and I incorporate relevant techniques from evidenced based practices, based on the individual needs of my clients. I am a holistic practitioner and focus on mind, body, and spiritual wellness. I provide transformational psychotherapy through my virtual office. I utilize Eye Movement Desensitization and Reprocessing (EMDR), Dialectical Behavioral Therapy (DBT), Mindfulness Based Therapies, and Cognitive Behavioral Therapy are my main evidenced based tools.
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$180/session

Authentic
Empowering
Specialties
Attachment Issues
Sexual Abuse
Trauma and PTSD
Hello! I’m a Licensed Marriage and Family Therapist with over 15 years of experience, and I consider it one of my greatest privileges to walk alongside clients as they navigate their journey toward healing, growth, and greater self-understanding. I believe deeply in the power of hope—especially during seasons of life when hope can feel difficult to find or hold onto. My goal is to create a warm, welcoming therapeutic space where you feel truly seen, heard, and respected. I believe meaningful change begins with a strong therapeutic relationship built on trust, compassion, and collaboration. Together, we’ll work toward understanding your experiences, navigating life’s challenges, and creating healthier, more connected relationships—with yourself and with others.
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New to Grow

$140/session

Specialties
Codependency
Domestic Violence
Family Conflict
+5
Hi! My name is Sarah Swensen, and I am a warm, down-to-earth Licensed Clinical Social Worker who is passionate about helping clients navigate difficult relationships, family challenges, grief, and life’s stressors. I earned my Master’s in Social Work from Rutgers University and have over 14 years of experience working with children, adolescents, and adults. Throughout my career, I have had the privilege of helping people work through challenging experiences, better understand themselves, and find ways to move forward. My ultimate goal as your therapist is for you to feel truly heard, supported, and understood. I’m here to help you feel empowered and confident in making choices that are right for you—not to tell you what you should do, but to provide a safe space where we can work through things together.
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New to Grow

$175/session

Specialties
Anxiety
Depression
Trauma and PTSD
I know that starting therapy can feel a little uncomfortable, especially if you are used to being the one who holds everything together. My goal is to make the process feel welcoming, supportive, and real. I want you to feel like you can come in, take a breath, and be yourself. I work with adults who are navigating stress, anxiety, life transitions, relationship concerns, parenting challenges, and the emotional weight that can come from difficult experiences. My approach is warm, honest, and collaborative. We will talk through what is going on, make sense of the patterns that may be getting in your way, and work toward changes that feel realistic for your life. I do not believe therapy has to feel stiff or overly clinical. There is room for reflection, hard conversations, growth, and yes, even laughter. You do not have to have the perfect words or a clear plan before you begin. Just come as you are, and we can take it from there... together.
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$115/session

Warm
Authentic
Solution oriented
Specialties
Anxiety
Depression
Trauma and PTSD
+10
Hello, my name is Julie Phillips and I am a Licensed Clinical Social Worker. I believe in supporting each other and one way I can support you is through therapy. Whether you need to process a stressful event or need to vent I am here to support you. I strive to tailor your session to meet your needs. Some sessions may need to be more strictly focused with Cognitive Behavioral Therapy, while other sessions are spent on learning a new coping skill such as mindfulness. Your session is about you and what may help you the most to resolve what issues you may have and to help you find your strength and empower you to keep moving forward. My aim is to make you, the client, feel comfortable in a judgement free zone. I want you to feel like you came to the right place, a warm inviting, calm, and empowering space where you can share what you feel you need to share.
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$125/session

Warm
Authentic
Direct
Specialties
Anger Management
Anxiety
Depression
+5
For over 20 years, I have worked with individuals and families facing unexpected life challenges that disrupted their sense of peace, security, and connection. I specialize in helping adults navigate anxiety, depression, grief, trauma, life transitions, and relationship concerns. Many of my clients are seeking clarity about important decisions, healing from difficult experiences, improving communication, strengthening relationships, or becoming the healthiest version of themselves. Clients are the experts in their own lives. My approach integrates cognitive-behavioral, solution-focused, strengths-based, and mindfulness-informed techniques to promote emotional healing, personal growth, and resilience. My role is to provide a supportive, collaborative environment where clients can gain insight, build on their strengths, and develop practical tools to overcome challenges. I meet clients where they are, offering compassion, encouragement, and accountability while helping them identify patterns that may be keeping them stuck. Through therapy, they have gained greater clarity, resilience, emotional regulation, and confidence, allowing them to create meaningful and lasting change. I strive to create a therapeutic space that is warm, welcoming, and empowering; an environment where clients feel safe to be authentic, vulnerable, and free from judgment. My goal is for clients to leave therapy feeling heard, valued, and better equipped to navigate life's challenges with confidence.
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$115/session

Warm
Authentic
Empowering
Specialties
Addiction
Anxiety
Depression
+10
Hi, I’m Holly! If life feels heavier than it should right now, you don't have to carry it alone. For the last twelve years, I've walked alongside adults, adolescents, and individuals of all genders and identities as they work through some of life's hardest challenges. I believe you already have strengths within you that we can build on together. You deserve a therapist who meets you exactly where you are, without judgment. My goal is to help you navigate the challenges life has handed you by drawing on the unique strengths you already carry. Whether you're navigating substance use, the weight of adolescence, a major life transition, or a season of life that feels stuck, my hope is to create a safe space where you can speak openly, feel understood, and move toward a healthier way forward. I am a Licensed Clinical Social Worker (LCSW) licensed in Arizona, Tennessee, and South Dakota. I welcome individuals of all genders and identities, including LGBTQ+ and nonbinary clients, and strive to create a compassionate, inclusive space where you can be yourself. To learn more about me, my approach, and my practice, visit www.hollybutlercounseling.com
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$155/session

Solution oriented
Authentic
Warm
Specialties
ADHD
Coping Skills
Couples Counseling
+1
Hey! I'm Dr. Andre, a licensed clinical psychologist. I provide therapy for a range of concerns. No matter what you are facing, I strive to understand your situation and help you find relief and clarity. I aim to provide a genuine and trusting relationship and a judgement free atmosphere to explore the concerns you are facing! I completed a BA in Psychology, an MA in Clinical Psychology, and a Ph.D. in Clinical Psychology, a 12 month internship followed by a 12 month post-doctoral fellowship, and multiple state and national board exams.
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Frequently asked questions

When looking for online therapy, you can see anyone that is credentialed in Tennessee. 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.

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.

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.

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.

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.