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 239 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: 4/18/2026

$120/session

Warm
Authentic
Direct

Specialties

Anxiety
Depression
Women's Issues
+8
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

$85/session

Open-minded
Solution oriented

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

New to Grow

$135/session

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

$125/session

Solution oriented
Authentic
Warm

Specialties

Men's Issues
Trauma and PTSD
Women's Issues
I have been a licensed professional counselor for 15 years. I have worked with individuals with chronic illness, military veterans and their families, addiction issues, mood disorders, career counseling and coaching professionals. I am a trauma focused (EMDR trained) clinician who strives to provide support and individually tailored techniques, strategies and solutions to help you feel better quickly. I help you maximize your strengths and transform your weaknesses into strengths.
VirtualAvailable

$95/session

Authentic
Warm

Specialties

Anxiety
Depression
Self Esteem
+9
Hello, and welcome. Reaching out for therapy can feel like a big step, especially if you’ve been carrying a lot on your own. Many people come to therapy feeling overwhelmed, unsure where to start, or simply wanting things to feel more manageable again. My goal is to offer a space where you can slow down, feel understood, and begin making sense of what you’re experiencing. I take a collaborative, supportive approach to therapy and work to meet you where you are. Together, we focus on understanding patterns, building emotional awareness, and developing practical tools that help you feel more grounded and confident in your daily life. Therapy with me is not about judgment or pressure—it’s about clarity, growth, and meaningful change at a pace that feels right for you.
VirtualAvailable

New to Grow

$125/session

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.
VirtualAvailable

Often rebooked

$190/session

Warm
Empowering
Open-minded

Specialties

Anxiety
Depression
Grief
+10
As a counselor, I bring over two decades of trauma-informed, emotionally intelligent, and spiritually grounded care to the people I serve. My approach blends evidence-based modalities with deep compassion, helping clients feel safe, seen, and supported as they navigate stress, pain, and life transitions. I guide clients in understanding their patterns, strengthening their inner resources, and developing practical tools for healing. The impact of our work together is often a renewed sense of clarity, resilience, and self-trust-empowering clients to move forward with greater emotional health and a stronger connection to themselves. It’s my honor to walk with my client through some of the darkest times in their lives. We will work together to find hope and healing! Also available at ZocDoc https://www.zocdoc.com/professional/beverly-mcmanus-lpc-mhsp-lcmhc-lmhc-526813?isNewPatient=false&exp_pps_default_new_patient=true
VirtualAvailable

$165/session

Authentic
Warm

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

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

$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

$75/session

Authentic
Warm

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.
VirtualAvailable

Often rebooked

$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.
VirtualAvailable

$120/session

Warm
Authentic
Open-minded

Specialties

Anxiety
Depression
Life Transitions
I’m a Licensed Clinical Social Worker with 15+ years of experience supporting individuals in their mental health journey. My work focuses primarily on helping adults navigate anxiety, depression, and life stressors. I often work with individuals experiencing burnout, major life transitions, relationship stress, work-related stress, and patterns of overthinking that can make daily life feel overwhelming. My goal is to provide a supportive, non-judgmental space where you can talk openly and begin making meaningful changes. I believe therapy should be collaborative and tailored to each person’s unique needs. Together, we will explore patterns, thoughts, and experiences that may be contributing to anxiety, stress, or low mood while also developing practical tools to help you cope more effectively. My approach is compassionate and grounded in evidence-based practices.
VirtualAvailable

$90/session

Warm
Solution oriented
Authentic

Specialties

Anxiety
Coping Skills
Depression
+7
I am Victoria Cruse Motter, a Licensed Professional Counselor (LPC) with over 25 years of experience working with children, adolescents, and adults facing a wide range of issues, including family conflicts, anxiety, depression, ADHD, low self-esteem, sexual abuse, substance use, chronic stress, trauma and PTSD, and women’s issues. My background includes providing counseling in various settings, such as schools, autism centers, pre-schools, juvenile justice programs, and residential group homes for youth in CYS custody. I earned my Master's Degree in Counseling from Pennsylvania State University. I pride myself on being a personable counselor who easily establishes rapport with clients. I focus on being person-centered, actively listening, and genuinely caring about each individual’s journey. I encourage honesty and patience throughout the counseling process. I am excited to begin your journey toward healing and the therapeutic process of counseling. Together, we will create a personalized treatment plan to help you navigate the tough issues in your life with grace.
VirtualAvailable

$100/session

Authentic
Empowering
Warm

Specialties

Anxiety
Depression
Life Transitions
+6
If you're a woman dealing with anxiety that won't quiet down, burnout that's become your baseline, or a nagging feeling that you've lost yourself somewhere along the way, I'd love to help. I'm a Licensed Counselor with 7 years of experience, and I specialize in working with adult women through the challenges that don't always get taken seriously: the overwhelm of balancing career and personal life, the self-doubt that shows up no matter how much you accomplish, the depression that hides behind a "high-functioning" exterior, and the stress of navigating major life transitions like new jobs, moves, breakups, or becoming a mother. I provide telehealth therapy in Florida and Tennessee, making it easy to prioritize your mental health without adding another thing to your to-do list. My style is warm, direct, and down to earth. I create a space where you don't have to perform or minimize what you're going through. Together, we'll explore the root of what's been holding you back, build coping strategies that fit your real life, and help you reconnect with the version of yourself that feels like you. Reaching out is the hardest part. If you're here, you're already closer than you think.
VirtualAvailable

$125/session

Warm
Solution oriented
Authentic

Specialties

Anger Management
Anxiety
Life Transitions
+10
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.
VirtualAvailable

$135/session

Authentic
Intelligent

Specialties

Anxiety
Military/Veterans
Trauma and PTSD
+4
I am a therapist who enjoys building a relationship with my clients by finding how to best understand each other. We may not share a background, but practicing curiosity from a position of genuine interest helps me better understand the people around me and form rapid connections. I believe knowledge and language have power so that the way we think and the information we use to think help us view what we think as changeable and adjust it to be more helpful.
VirtualAvailable

$110/session

Warm
Authentic
Empowering

Specialties

Grief
LGBTQ
Mood Disorders
+10
Are you feeling stressed out, zoned out, or off-balance? Do you feel like you're drowning under the weight of responsibilities, while others seem to be thriving? Have you been using social media, toxic relationships, or substances to numb or distract yourself from the discomfort? I'd love to try and help you find your footing and feel more like yourself again. Most of the clients I work with have a lot more in common than they realize. They are struggling...but they believe they SHOULD be able to manage everything! They believe they are somehow flawed or weaker than others. I want you to know it’s okay to be struggling. Prolonged stress and trauma from things like racism, homophobia, or bullying can greatly impact our mental and physical health. Anxiety, depression, or trauma symptoms may be showing up as a way to say, “Hey, I’m not okay right now. I need to talk about this.” I am here to listen and help you navigate tough situations like these. I have a background in both mental health and medical social work. I have worked in a variety of settings, including outpatient clinics, hospitals, community agencies, and addiction centers. My specialties are grief and loss, mood disorders, and issues facing the LGBTQ+ community. I have worked in this field for over twenty years, and I am more passionate than ever about helping others. I look forward to meeting you soon!
VirtualAvailable

$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.
VirtualAvailable

Often rebooked

$120/session

Empowering
Authentic
Solution oriented

Specialties

Anxiety
Fertility & Reproduction Issues
Perinatal Mental Health
+3
I have one main intention for all clients with whom I work and that is to reduce suffering. Suffering takes a lot of forms, from struggling with discernment, overwhelm, thoughts that cycle and cycle and cycle throughout our minds...grief of something we've had or something we want to have -- and so much more. My approach to treatment is down-to-earth, nonjudgmental, and compassionate; and is leveraged with a sense of practicality and directiveness.
VirtualAvailable

$100/session

Authentic
Warm
Direct

Specialties

Anger Management
Anxiety
Trauma and PTSD
+6
I work with adults who are struggling with effects of trauma, grief, anxiety, depression, low self-esteem, anger, and other issues. I want to provide a safe and supportive space for you to grow as you work toward your goals. Whatever situation you find yourself facing, you have value and worth. As a therapist, I have practiced in medical, in-home, and outpatient settings. Feel free to reach out with any questions.
VirtualAvailable

$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

New to Grow

$100/session

Authentic

Specialties

Anxiety
Child or Adolescent
Depression
+10
I have been working in the fields of psychology, social work, and therapy for close to 30 years. I am passionate about helping. I get great satisfaction from seeing clients learn, grow and lead happier lives. I am passionate about animals as well and am involved in dog rescue. I truly enjoy seeing people learn, grow, and become happier and more confident in their lives with improved relationships. Let's take this therapy journey together!
VirtualAvailable

$105/session

Authentic
Solution oriented

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.
VirtualAvailable

$120/session

Authentic
Warm
Humorous

Specialties

LGBTQ
Trauma and PTSD
Women's Issues
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.
VirtualAvailable
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.