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 251 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: 10/2/2026

$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.
VirtualAvailable

$120/session

Authentic
Warm
Empowering
Specialties
Depression
LGBTQ
Trauma and PTSD
+10
Hi! I'm a Licensed Professional Counselor (LPC) in Tennessee and a Clinical Professional Counselor (CPC) in Nevada, with over 13 years of experience helping adults navigate life’s challenges and build fulfilling lives. My specialty areas include LGBTQIA+ issues, trauma, addiction recovery, anxiety and mood disorders, neurodiversity, relationships, personality disorders. I am passionate about creating a supportive, affirming space where clients can feel understood and empowered to make meaningful changes. My clinical background spans a variety of settings, including inpatient mental health, residential substance abuse treatment, outpatient therapy, corrections, and domestic violence shelters. This diverse experience allows me to bring a well-rounded, client-centered approach to my work. Whether you’re working through life transitions, healing from trauma, or exploring identity, my goal is to help you feel seen, supported, and capable of moving forward with confidence.
VirtualAvailable

$130/session

Warm
Authentic
Empowering
Specialties
Anxiety
Coping Skills
Depression
+10
Hi! I am a Licensed Clinical Social Worker in Tennessee (LCSW), Massachusetts (LICSW), Maine (LCSW), and South Carolina (LCSW) with over 20 years of experience guiding individuals through life's challenges. I understand that life's path isn't always straight; transitions, trauma, grief, depression, and relationship struggles are real. I believe in the transformative power of collaboration and growth. With a MA in Social Work from Georgia State University and dual BAs from UMBC, my diverse background equips me to provide tailored therapy and counseling. My compassionate, non-judgmental, honest, and down-to-earth approach creates a safe space where I walk beside you on your journey to healing and growth. NOT CURRENTLY OPEN TO COUPLES.
VirtualAvailable

$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

$115/session

Authentic
Warm
Empowering
Specialties
Anxiety
Mood Disorders
Trauma and PTSD
+5
Hello! My name is Meredith, and I am a Licensed Professional Counselor and Mental Health Services Provider with 12 years of experience working in this field. I believe in a collaborative approach to therapy that rejects rigid, one-size-fits-all treatment plans and completely bypasses cold clinical checklists. Instead, I view us as co-collaborators working side-by-side through the circumstances that led you to the courageous decision to seek therapy. While I take my job incredibly seriously, I also believe there is a time and place for laughter and lightheartedness, just as there is a time to allow ourselves to weep. We are all souls having a unique, human experience. It is profoundly important to me that we show up as authentically ourselves as we can be as we walk this road together.
Available

$100/session

Warm
Authentic
Empowering
Specialties
Anxiety
Depression
Life Transitions
+10
Have stressful life events left you feeling tired, anxious, or overwhelmed? Have you tried to make changes, but nothing seems to work? Is your child having struggles related to their identity, managing heavy emotions, or expressing their needs? If so, I am here to help. My current treatment focuses/ training are for perinatal mental health, and Emotional Focused Therapy (EFT). I'm passionate about working with the BIPOC population, LGBTQ+ population, teens, & young adults as they learn how to navigate life’s challenges and transitions. I'm dedicated to working with those of various backgrounds and walks of life. We all have moments where life may seem as if it is too much to handle and be that as it may, asking for help is not a sign of weakness, but instead a sign of strength. Although you or your loved one or your child may feel as if you are alone, I am here to let you know that you are not. If you believe I can be of service to you do not hesitate to reach out.
VirtualAvailable

New to Grow

$100/session

Specialties
Addiction / Substance Use
Emotional Regulation
Trauma and PTSD
+5
Hi, I’m Samantha. I’m a compassionate, trauma-informed social worker with a background in working with adolescents and families, including experience in residential treatment settings supporting teenage girls and boys who have experienced trauma, difficult life circumstances, and significant emotional and behavioral challenges. My work has taught me the importance of meeting people where they are, looking beyond behaviors, and understanding the experiences that may be underneath them. I believe therapy should feel like a safe place where you can show up exactly as you are—without judgment or pressure to have everything figured out. My approach is warm, genuine, and collaborative. I use approaches such as EMDR, DBT, and psychodynamic therapy to help clients process difficult experiences, understand patterns, develop healthier coping skills, and build a stronger sense of self. Most importantly, I want my clients to know they don’t have to navigate everything alone. My goal is to walk alongside you, provide a space where you feel truly heard and understood, and help you recognize your own strengths while working toward the life you want.
Available

New to Grow

$110/session

Specialties
ADHD
Anxiety
Perinatal / Postpartum
+10
Hi! I'm Laurie, a Licensed Clinical Social Worker specializing in perinatal/postpartum mental health, and adult ADHD. I love helping clients better understand themselves and their symptoms through psychoeducation, strengths-based work, and practical, solution-focused approaches. Acceptance and Commitment Therapy (ACT) is at the heart of my work, with a little DBT and CBT mixed in. I also have experience with general depression, anxiety, trauma, substance use, bipolar disorder, OCD, and disordered eating. The therapy space is sacred, and I will always prioritize your comfort, safety, and autonomy, while also offering a gentle nudge or challenge when it may be helpful. Your session time is yours and I deeply believe that clients are the experts on their own lives. My role is to collaborate with you and offer new perspectives, insight, and practical tools that help you build a life that feels healthier and more aligned with who you are. Outside of therapy, you'll usually find me spending time outside with my kids, reading a good psychological thriller, or soaking up whatever rest time I can get. I'd love to hear your story and be part of your healing journey!
Available

$80/session

Challenging
Direct
Authentic
Specialties
Anxiety
Depression
Trauma and PTSD
+9
I graduated from Boise State University with a Master’s in Social Worker and have been practicing in the field for over 20 years. I began my clinical practice as the director of a small rural Mental Health Clinic in Idaho; we specialized in serving those with high acuity needs. I then transitioned to the Department of Veteran Affairs where I have been honored for the past 14 years to serve Veterans and their families. My philosophy and belief is that no matter the circumstances or whom I am working with, I am here to join my client on their personal journey and make sure they always feel heard and respected as we travel the road towards healing together.
Available

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.
Available

$100/session

Warm
Authentic
Intelligent
Specialties
Anxiety
Depression
Coping Skills
+6
Howdy, and welcome! I am so glad you're here! I'm a licensed therapist in Tennessee, and I provide telehealth therapy services on the evenings and weekends. I use an eclectic approach and often pull from frameworks of EMDR, parts-work, solution-focused, and more to support you as you process, untangle, and move toward where you want to be. I'm looking forward to hearing from you!
VirtualAvailable

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.
Available

$99/session

Warm
Authentic
Solution oriented
Specialties
Anxiety
Self Esteem
Women's Issues
+4
Welcome! Feeling stuck? Exploring what it means to live authentically? A woman seeking to create deeper/improved connections in relationships or your marriage, a mother striving for balance, or someone navigating a specific challenge. If so, I’d love to help. I’m Jenny, a 45y/o Licensed Professional Counselor with over 17 years of experience. I grew up in Middle Tennessee, surrounded by animals and Faith. Parents owned veterinary practices, mom served as a youth director, instilling in me a love for animals and a strong Christian Faith. Married 22 years to a wonderfully supportive husband. Marriage can be challenging, but I believe it’s one of life’s most rewarding journeys when approached with unconditional love and commitment. Together, we’ve weathered highs and lows, and through it all, I’ve learned every challenge is just data and an opportunity for growth. Blessed with two intelligent and vibrant daughters who keep life interesting and continually teach me about resilience, perspective, and love. Since early teen, I’ve been “go-to” person for friends and family during struggles, which inspired my passion for counseling. Hold Bachelor’s in Psychology from UTK, and Master’s in Counseling and Human Development. I’ve worked in diverse mental health settings, including women’s prisons, crisis units, inpatient, outpatient, substance abuse, and private practice. These experiences have equipped me to work with a diverse range of clients and issues. Rest assure—nothing you share will shock me! I believe you are your own best counselor and know yourself best. My role is to guide you, provide reassurance, and equip you with tools to help you navigate life’s challenges with confidence and resilience. Together, we’ll create a safe and meaningful space to process your experiences, explore solutions, and rediscover your balance. Ready to embrace growth and find your balance? I’d be honored to support you on this journey!
VirtualAvailable

$65/session

Warm
Authentic
Solution oriented
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

$95/session

Warm
Empowering
Authentic
Specialties
Anxiety
Attachment Issues
Burnout
+8
I'm a licensed clinical social worker with over twenty years of experience in this field. I understand how complicated life can get, so let's figure out how to navigate yours together. I help clients face some of life's biggest challenges. My goal is to always provide a safe space for you to feel seen and heard.
Available

$125/session

Warm
Authentic
Open-minded
Specialties
Anxiety
Depression
Life Transitions
+3
Hello! I'm Jenae -- therapist, coffee enthusiast, and believer in you! I’m a real human being that genuinely cares about helping people make sense of what’s been too heavy for too long. I help people work through trauma, anxiety, and depression so they can stop feeling like they are living in survival mode and start feeling present again. I work with people to untangle the pain, fear, or sadness that’s been running their lives.
VirtualAvailable

$120/session

Solution oriented
Warm
Authentic
Specialties
Anxiety
Coping Skills
Depression
+8
Hello! I'm a Licensed Marriage and Family Therapist (LMFT) and a Licensed Independent Mental Health Practitioner (LIMHP) based in Tennessee. I am Licensed in the states of UT, NE, and TN. I received my Masters from Argosy University in Draper, UT and have been practicing for 15 years. I help Individuals struggling with anxiety, stress, depression, life changes, conflict in relationships and processing traumatic events in ones life.
VirtualAvailable

$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.
VirtualAvailable

New to Grow

$100/session

Specialties
Anxiety
Depression
Trauma and PTSD
+9
Reaching out for support can be one of the hardest steps, and I strive to create a space where you feel safe, heard, and accepted without judgment. My goal is to help you better understand yourself, navigate life’s challenges, and build the tools you need to create meaningful, lasting change. I work with those experiencing anxiety, depression, trauma, stress, life transitions, grief, self-esteem concerns, and relationship challenges. Whether you’re feeling overwhelmed by your past, struggling to cope with the present, or trying to build the future you want, we’ll work together at a pace that feels right for you.
Available

$120/session

Authentic
Warm
Direct
Specialties
Couples Counseling
Family Therapy
Life Transitions
+5
Hi! I'm a Licensed Marriage and Family Therapist in Tennessee. I received my Masters from Lipscomb University and have been practicing for 10 years. My goal is to provide a safe space to build awareness, to identify communication barriers and to explore your thoughts and emotions as you transition to healthier quality of life. I desire to alleviate stigmas related to seeking professional help. I am passionate about helping clients feel genuinely understood without judgement. I work with adult individuals and couples on various issues including anxiety, depression, relationship challenges, LGBTQIA+ challenges, women's issues, and life transitions. Jack Canfield said it best, "All the good stuff is outside our comfort zone.”
VirtualAvailable

$135/session

Authentic
Warm
Empowering
Specialties
Coping Skills
First Responders/Healthcare Workers
Trauma and PTSD
+10
I am committed to providing quality mental health services for the entire family. The goal is to create a safe and respectful space for the self-discovery of strengths that promote healing and wholeness in every area of life. I am a qualified mental health professional, as a licensed master's level clinician I have over thirty years of varied experience working in social services with women, with first responders, educators, families, child welfare and diverse communities to foster wellness; I have nine years of private practice with a specialty of trauma, grief, and loss. I have committed my professional and personal life to work and care for at-risk populations, the emotionally challenged, and the displaced. I enjoy the service of empowering individuals to live productive; holistic lifestyles. - Allysa Hupko, MA, LSCSW, LCSW
VirtualAvailable

$150/session

Intelligent
Solution oriented
Direct
Specialties
ADHD
Anxiety
Autism
+10
Reaching out for therapy takes courage, and my goal is to make the process feel approachable from the very first session. I'm a Licensed Professional Counselor with more than 14 years of experience helping adults and adolescents navigate ADHD, autism, anxiety, depression, trauma, relationship challenges, and major life transitions. I believe therapy works best when it feels like a genuine conversation built on trust, curiosity, and collaboration. Rather than simply listening or giving advice, I work alongside clients to better understand what's keeping them stuck while developing practical strategies that fit their lives. My approach integrates evidence-based therapies with compassion, humor when appropriate, and a focus on long-term growth.
Available
No reviews yet

New to Grow

$160/session

Authentic
Intelligent
Specialties
Anxiety
Eating Disorders
Self Esteem
+9
I use a client-centered, psychodynamic approach to help clients reconnect with their deeper sense of self and wholeness. I am especially passionate about helping clients connect to the truth of who they are and identifying the stories and experiences that have shaped them. I work well with clients who are motivated to figure out what's in their way and take steps to create change.
Available

$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

$150/session

Warm
Authentic
Empowering
Specialties
Anxiety
Depression
Life Transitions
+5
I am a licensed therapist dedicated to helping adults navigate life’s challenges with clarity, confidence, and compassion. My goal is to provide a safe, supportive space where clients can explore their thoughts, emotions, and experiences without judgment. I believe everyone has the capacity for growth, healing, and fulfillment, and therapy can be a powerful step toward reaching that potential. I work with women and men who are managing stress, anxiety, perfectionism, or significant life transitions such as parenthood, career shifts, or relationship changes. Many of my clients are striving to balance multiple roles while also wanting to prioritize their own happiness and well-being. In our work together, I may use different modalities such psychodynamic, cognitive, humanistic, and group therapy to meet each client’s unique needs. We may explore underlying patterns, identify and shift unhelpful thought processes, and build on existing strengths. My role is to support clients in gaining insight, developing effective coping tools, and creating healthier ways of thinking, feeling, and relating. Clients often leave therapy with a deeper sense of self, improved resilience, and the confidence to make meaningful changes. My mission is to empower both women and men to move beyond what holds them back and build lives of balance, purpose, and fulfillment.
VirtualAvailable
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.