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 238 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: 5/11/2026

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New to Grow

$65/session

Authentic
Warm

Specialties

Addiction
Anxiety
Depression
+10
I have dedicated more than 30 years of my life to the helping profession of Social Work. I have worked tirelessly to advocate for the poor, elderly, disabled and those struggling with substance use and mental health challenges. I prefer to be in the present, listen to the client and partner with them to come up with a plan to meet their unique set of challenges and opportunities, not just just meet short term goals but make therapy a way to teach long term ways of coping that aid in meeting challenges in the future and not dependent on the therapist but through inner strengths that are fostered in therapy as ways to build up self-esteem, cultural pride and self worth.
VirtualAvailable
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New to Grow

$120/session

Specialties

Grief
Life Transitions
Trauma and PTSD
+4
I am a mental health therapist specializing in grief, trauma, and substance use. I have been in the field about 10 years now and in that time I have worked with many different types of people and mental health disorders. I have worked in community mental health, private practice, residential, outpatient, and higher levels of care such as PHP/IOP. I love what I do and I could not imagine doing anything else.
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$165/session

Warm
Authentic
Open-minded

Specialties

Eating Disorders
Grief
Trauma and PTSD
+10
I bring seven years of experience treating clients from a relational perspective. My goal from the time we meet is to connect with you as a human first and therapist second. This means I see you as an individual to build a relationship of trust and collaboration with, rather than as a list of problems to solve. As a trauma-informed therapist, I understand the importance of giving you agency over your treatment and life decisions. No one knows you better than you know yourself, so we set goals together, implement interventions at your pace, and maintain open communication throughout the process.
VirtualAvailable
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$90/session

Authentic
Empowering
Intelligent

Specialties

Anxiety
Depression
Grief
+3
Greetings, and welcome to the beginning of a new chapter in your life! I am an enthusiastic and motivated therapist dedicated to meeting individuals where they are, while guiding them through their personal journey of growth and healing. My professional experience aligns with empowering clients who experience a sense of loss, anxiety, depression, physical, mental and emotional exhaustion, unexplained fear, and hopelessness. With a deep passion for both my client's progress and my own professional development, I create a collaborative, supportive space where lasting change is possible. I believe our greatest gifts often live at the intersection of growth and giving, and I look forward to walking alongside individuals as they rediscover their strengths, gain clarity, and create meaningful change.
Available
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$100/session

Solution oriented
Warm
Authentic

Specialties

Anxiety
Depression
Trauma and PTSD
+6
I am a Licensed Clinical Social Worker dedicated to helping individuals navigate life’s challenges and create meaningful, lasting change. I provide a supportive and collaborative space where clients can explore their thoughts, emotions, and behaviors while building practical coping skills. My approach is client-centered and goal-oriented, meeting you where you are while helping you move toward where you want to be.
VirtualAvailable
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Often rebooked

$85/session

Solution oriented
Warm
Open-minded

Specialties

Anxiety
Bipolar Disorder
Depression
+9
I am a licensed professional counselor and a mother of two grown children and one grandson. Teaching was my first career and counseling is my second career. I am an empathetic, client-centered therapist who is action-oriented. I teach my clients how to discover alternatives and solutions to their problems. I want my clients to feel that I am really helping them with targeted treatments, and I want them to feel extremely at ease with me and be able to trust me. My goal is for them to improve over time and not feel that they are wasting their time in therapy.
VirtualAvailable
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$125/session

Intelligent
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.
Available
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$100/session

Authentic
Intelligent

Specialties

Child or Adolescent
Family Conflict
School Issues
+9
I have worked in school-based community mental health for six years. During this time I intermittently provided teletherapy and realized I love providing clients the access to therapy on their own terms. While I'm not new to the field, I’m excited to start using my experience to support clients and families with Grow! Therapy can feel intimidating and invasive, but it doesn't have to be! My goal is to make therapy approachable and beneficial for every client I serve. Are you a teenager caught in the challenges that come with being between childhood and adulthood? Are you a parent looking to better connect with and understand your child? Are you or your child having a hard time in school? Are you tired of the tension, arguments, hopelessness, and dysfunction? If so, you've come to the right place and I can't wait to help you get started!
VirtualAvailable
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$70/session

Warm
Authentic
Open-minded

Specialties

Child or Adolescent
Coping Skills
Life Transitions
I am a native Memphian who enjoys spending time with my husband and two daughters. My career as a counselor began in the school setting where I served as a middle school counselor. I earned the nickname of "adolescent whisperer" from making deep and meaningful connections with teens and their families. I wanted to extend my services beyond the school setting, thus I earned the mental health license that allows me to practice outside of the school setting as well. I counsel from the belief that we are all imperfect beings working to navigate life’s challenges. I love to motivate clients to become the best version of themselves while attentively acknowledging their current situation without judgment.
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$150/session

Authentic
Warm
Humorous

Specialties

Anxiety
Depression
LGBTQ
+5
Hi, I’m Rachel! I’m a therapist who is here to help you take control of your own life, with empathetic and straightforward guidance. You have the answer inside you; sometimes it just takes someone helping move away the clutter. We will work together to uncover old patterns and beliefs that have been holding you back from being your true self.
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Often rebooked

$115/session

Warm
Authentic
Empowering

Specialties

Addiction
Anxiety
Depression
+10
Hi! I'm a Licensed Clinical Social Worker who is currently licensed in Arizona, Tennessee and South Dakota. I have worked with a variety of men, women, and adolescents over the last ten years. My intent is to always meet people exactly where they are at and help them overcome the challenges that life has given them. I truly believe that every person who I work with has a unique set of strengths, and by using those strengths the person has the ability within themselves to persevere.
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New to Grow

$100/session

Specialties

ADHD
Anxiety
Coping Skills
+4
I’m a veteran and Licensed Clinical Social Worker (LCSW) with 10 years of experience working with service members, veterans and their families. I earned my master's degree from Fayetteville State University and specialize in helping individuals navigate personal and professional stress, life transitions, and trauma-related concerns. My approach is collaborative, evidenced-based, and tailored to your unique needs, with the goal of helping you build resilience, clarity and meaningful change.
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$120/session

Authentic
Direct
Intelligent

Specialties

Anxiety
Life Transitions
Men's Issues
Mr. Brown is a Licensed Clinical Social Worker who specializes in interpersonal relations and reality testing. He also utilizes various evidenced based practices that are tailored to the clients’ needs while meeting them where they are in their journey. He utilizes structures that include individual, couples, family, alternative relationships, and/or process groups. He is licensed to practice clinically in Tennessee, Florida, Indiana, Pennsylvania, Arizona, and Virginia, and has a private practice located in the heart of the Nashville Black Community. He is an avid supporter of the needs, culture, and outlook of the African American community, while operating within an African Centered framework. Mr. Brown enjoys studying, teaching, and implementing Ancient African history. He recently traveled to Accra, Ghana during the Year of Return. With over 10 years of experience providing therapy, interpersonal training, and life management. I utilize various treatment approaches including trauma resolution, solution focused therapy, and mindfulness techniques. I will walk with you along your journey, providing a comprehensive treatment plan for your success.
VirtualAvailable
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$135/session

Authentic
Empowering

Specialties

Anxiety
Coping Skills
Depression
+5
I've been in the mental health field for around 17 years, licensed in the last 6, and have worked with a variety of clients. I've worked with parents who are struggling with behavioral issues with their children, adults struggling with chronic illness, older adults dealing with aging, and adults in general who are experiencing life transitions that are proving to be difficult to manage. I work to help clients find helpful ways of coping, while also addressing the core of the issues that they are dealing with.
VirtualAvailable
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$90/session

Solution oriented
Intelligent
Direct

Specialties

Addiction
Coping Skills
Military/Veterans
Greetings, My name is Norman Shaffer and I am a Licensed Clinical Social Worker in the state of Tennessee. I have been practicing as a social worker for over a decade now. I enjoy working with adults who are actively seeking a positive change in their life. I like to partner with clients and guide them towards better outcomes and a healthier balance in life.
VirtualAvailable
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New to Grow

$100/session

Specialties

Anxiety
Depression
Life Transitions
+10
I am a Licensed Professional Counselor with over five years of experience providing therapeutic services in both in-patient and out-patient mental health settings. Throughout my career, I have worked with individuals experiencing acute crises as well as those navigating ongoing mental health challenges. My goal as a clinician is to assist individuals in shifting their perspectives, strengthening insight, and identifying appropriate, practical solutions for managing both everyday stressors and extraordinary life difficulties. I am committed to creating a supportive, client-centered environment where individuals feel heard and empowered. I focus not only on fostering meaningful personal growth, but also on helping clients establish and maintain that growth to support long-term emotional well-being and resilience.
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Often rebooked

$185/session

Warm
Solution oriented
Humorous

Specialties

Trauma and PTSD
I am a licensed clinical social worker (LCSW) based in Knoxville, TN and am licensed in California. I received my masters degree from the University of Southern California and have been practicing for the past five years in community mental health. I feel it is important to create a safe, judgement free environment where clients can openly share experiences and address intimate details of life.
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$100/session

Warm
Authentic
Empowering

Specialties

Anxiety
Depression
Substance Misuse
+3
My name is Juanelle, and I am a lifelong resident of Northeast Tennessee committed to providing therapy services to individuals across the state. My background includes a variety of lived experiences including 24 years with Eastman Chemical Company and being a parent of two. I earned a Master of Science in Social Work from The University of Tennessee in 2009, and my professional background includes working with young adults in Sullivan County Drug Court and supporting individuals of all ages facing opioid dependence at Overmountain Recovery. Additionally, I have provided therapeutic services for children, adolescents, and their families addressing a broad range of mental health challenges through Bristol Regional Counseling, Frontier Health’s school-based therapy and mobile crisis programs. The resilience, strengths, and diverse backgrounds of those I have assisted continually inform and inspire my clinical practice.
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$75/session

Authentic
Warm
Intelligent

Specialties

Grief
Life Transitions
Anxiety
+3
If you are moving through a season shaped by loss, you don’t have to carry it alone. Grief does not always look like sadness - it can show up as anxiety, numbness, irritability, or feeling stuck. You may be functioning on the outside while feeling disconnected on the inside. If you are feeling stuck in your grief, I am here to meet you exactly where you are and walk with you towards growth, healing, and renewed well-being. I am a Licensed Clinical Social Worker, and I specialize in supporting adults (18+) who are experiencing grief related to death, illness, caregiving, and major life transitions. I believe grief and humor often sit at the same table. I love to laugh, bake sourdough, and pay attention to the small, ordinary things that make life feel like life. Those parts of me come with me into the work—because grief therapy is, at its heart, about living. I have sat with enough grief—my own and others’—to know that the hardest part is rarely the moment of loss. It’s the long, quiet after. It’s the empty seat at the table. My practice grew from late-night conversations with people who felt alone in their grief. From love for people and for the sacred, the human truth that our stories matter.
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New to Grow

$150/session

Specialties

Anxiety
Crisis Intervention
Depression
Dynamic clinical social worker with extensive experience providing diverse perspectives for clients, human resource partners, and community members. A strong commitment to fostering mental wellness is demonstrated through impactful roles in crisis intervention and as the director of an employee assistance program, prioritizing proactive outreach and education to support individuals before challenges escalate. Engaging in company orientations, trainings, and critical incident support debriefings offers invaluable opportunities to advocate for mental health as an essential element of overall well-being. Passionate about empowering others, each interaction highlights the profound impact that compassionate support can have during life's most challenging moments.
VirtualAvailable
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$150/session

Warm
Empowering
Solution oriented

Specialties

Anxiety
Grief
Trauma and PTSD
+6
I am a Licensed Clinical Social Worker in Tennessee. I have worked with clients with a wide range of concerns including anxiety, stressors/life changes, relationship issues, grief and loss, domestic violence, eating disorders, and those who have experienced physical or emotional abuse or trauma. I have also worked in the field of hospice, terminal illness, and end of life care. My counseling style is warm and interactive. I treat everyone with compassion, respect, and cultural sensitivity. My approach combines cognitive-behavioral, empowerment and strengths based, trauma-based, and rational-emotive counseling. I also implement Eye Movement Desensitization Reprocessing (EMDR) to address trauma when applicable. I will design our sessions and treatment plan to meet your specific and unique needs. It takes courage and strength to seek help and support. This is one of the first steps for change. I am ready to support and empower through this journey to seek a happier and more fulfilling life.
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$125/session

Warm
Authentic
Open-minded

Specialties

Anxiety
Couples Counseling
Grief
+8
I’m a Licensed Marriage & Family Therapist, and I believe therapy works best when it feels safe, collaborative, and human. I bring empathy, a sense of humor, and a strong focus on building a genuine therapeutic connection. I also believe you should set the pace for counseling — this is your space, and we move in a way that feels right for you.
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$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.
VirtualAvailable
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$125/session

Authentic
Solution oriented
Warm

Specialties

ADHD
Anxiety
Trauma and PTSD
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.
VirtualAvailable
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$150/session

Authentic
Solution oriented
Warm

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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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 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.

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 a specific issue?

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.

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 happens during the first therapy 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.