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 260 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: 8/12/2026

$75/session

Authentic
Direct
Empowering

Specialties

Addiction
Spirituality
Trauma and PTSD
+10
So, who am I; and what am I doing here, eh? Also, do you struggle to talk about yourself ? - 'cause I sure do. Anyways, let's see... Personnally, I identify as a neurodiverse, cis-female, middle-aged (yes, over 40yo), divorced, single mother of two human loves and one canine love who enjoys spending time outdoors, flow arts, music, and dancing and singing and laughing. Also, learning is my favorite - like, I'm a full-on brain geek, for realz. Professionally, I hold licensure through the State of Tennessee Department of Health as a Professional Counselor and Mental Health Service Provider since March 2025 which allows me to independently provide Clinical Mental Health Counseling services - including assessment, evaluation, diagnosis, and treatment of Mental and Behavioral Health issues, conditions, disorders, and illnesses. Proper and thorough clinical assessment, ethical practice, trauma-informed engagement and care, destigmatization, and advocacy are consistent characteristics of my approach toward Client care. As a therapist, I believe in building therapeutic relationships founded on honesty, transparency, respect, patience, alliance, and safety. My style of counseling is raw, uncut, and straight-forward while remaining sensitive, respectful, and culturally aware in offering constructive, caring, well-informed and growth-oriented feedback, guidance, and support. Ultimately, we're in this together. Experience: 15 years in the Restaurant/Bar Service Industry (technically not clinical experience; howerever, theoretically... iykyk :)) 5 years in Runaway and Homeless Youth (RHY) programming serving homeless and at-risk adolescents and young adults toward prevention and intervention of human trafficking 6 years in clinical treatment of Co-Occurring Mental Health Disorders and Substance Use Disorders (yes, I have history) serving Adults from an Integrated Therapy approach primarily through Intensive Outpatient Programs providing group and individual therapy The door to your best self is open; all you have to do is walk through it. See you inside.
Available

New to Grow

$100/session

Specialties

Coping Skills
Grief
Life Transitions
+2
Hello, my name is Stacy and I'm a Licensed Clinical Social Worker (LCSW) . I have worked in hospice, Palliative care, Emergency rooms, and private setting. My goal is to create a safe, supportive and compassionate space. Life can have its ups and downs and I strive to help you navigate this season in your life. There can be times when it feels hard to express what you are thinking and feeling to others and I strive to be that outlet for you. My focus is to help you set goals for therapy and provide you with the tools to achieve them.
Available

New to Grow

$100/session

Specialties

Anxiety
Coping Skills
Trauma and PTSD
+9
I am passionate about supporting individuals on their journey toward greater well-being and self-understanding. As a licensed clinical social worker (LCSW) in the state of Texas and Tennessee, I believe in creating a safe, compassionate space where you feel truly heard and understood. My goal is to partner with you, helping you find resilience and uncover strengths as we work together through life’s challenges. Every person’s journey is unique, and I’m committed to offering care that is as individual as you are. You know your life better than anyone, and my role is to walk alongside you, bringing tools, perspective, and genuine support as we work through whatever you're facing. I don't see myself as the expert in the room — you are.
Available

New to Grow

$100/session

Specialties

Anxiety
Depression
Trauma and PTSD
+9
At various points in life, we may find ourselves needing support to navigate stressors, transitions, and the challenges that stem from the human experience. I walk with individuals as they heal from past and ongoing trauma, manage addiction, and cope with anxiety and depressive symptoms. I am deeply passionate about advocating for individuals who may be navigating seasons of uncertainty or isolation. My goal is to create a safe, open, and supportive space where you feel seen, heard, and validated—while also feeling empowered to move through life’s challenges and toward a more authentic, fulfilling life.
Available

New to Grow

$125/session

Specialties

Addiction
Anxiety
Couples Counseling
+9
I am a modern, open-minded, and nonjudgmental therapist who creates a safe space for clients to be their authentic selves. With more than 20 years of experience, I provide compassionate, culturally responsive care tailored to each person’s unique needs and life experiences. My approach is honest, relatable, and collaborative, combining proven therapeutic techniques with real-life strategies that help clients heal, grow, strengthen relationships, and create meaningful change.
Available

New to Grow

$100/session

Specialties

Anxiety
Bipolar Disorder
Depression
+10
Thank you for taking time to read my profile. Making the decision to start therapy takes courage and a desire to heal from past experiences or learn how to cope with mental health symptoms. I am a licensed clinical social worker which means I believe it is important to treat the whole person while treating for example, anxiety or depressive symptoms. Together we will process issues and form coping skills or plans to move forward. I am comfortable and effective working with people from diverse backgrounds and all walks of life. I have two adult children, owned restaurants for 16 years, and experience taking care of aging parents. My education and life experience directly contributes to my ability to work with clients from all ages, race, LGBTQIA, religious background, or mental health condition.
Available

$150/session

Empowering
Open-minded

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

New to Grow

$75/session

Specialties

Mood Disorders
Substance Misuse
Trauma and PTSD
+9
I believe in the person-centered approach. I meet you where you are. I work across the life span, with my youngest patient being age 3 and my oldest patient being in their 80s. Each person is different and comes from a different experience, so I work from a holistic approach. Whether it's depression, anxiety, ADHD, Autism, OCD, trauma or some other issue, no one experiences symptoms the exact same way. Therefore, their treatment should not be a cookie cutter approach. Over my 15 years experience, I have been able to meet many people along the way through working in the school system, to inpatient facilities and outpatient services. I look foward to meeting you and working together to meet your needs.
Available

New to Grow

$100/session

Specialties

Anxiety
Depression
Life Transitions
+3
I believe healing happens when you feel safe, understood, and empowered. I'm a Licensed Clinical Professional Counselor with over 14 years of experience helping adults navigate anxiety, depression, life transitions, relationship concerns, women's issues, infertility, and spiritual struggles. My approach is warm, collaborative, and holistic, blending evidence-based therapies like CBT, ACT, DBT, and mindfulness while honoring each client's values and goals. Whether you're feeling overwhelmed, stuck, or simply ready for change, I'll meet you with compassion and practical tools to help you move forward.
Available

New to Grow

$150/session

Specialties

First Responders/Healthcare Workers
Men's Issues
Trauma and PTSD
+10
I’ve been a counselor for 3 years and have over 12 years of experience helping individuals, couples, and families navigate trauma, anxiety, addiction, depression, ADHD, behavioral challenges, and personality disorders. I offer a supportive, practical, and collaborative approach focused on healing, growth, and lasting change. I communicate in a calm, respectful, and supportive way. Sessions are nonjudgmental and collaborative, allowing space for honesty, curiosity, and growth. I aim to create a safe environment where clients feel heard, understood, and encouraged. Goals are set collaboratively and guided by each client’s needs and priorities. I help turn concerns into concrete action steps, track progress over time, and adjust strategies to support steady, realistic growth. I take a trauma-informed, collaborative approach that prioritizes safety, understanding, and empowerment. Therapy focuses on practical tools, emotional regulation, and insight, helping clients move forward with greater confidence and resilience.
Available

New to Grow

$120/session

Specialties

Anxiety
Depression
Grief
I’ve faced life’s challenges firsthand, and I understand how heavy anxiety, grief, trauma, or major life transitions can feel. My goal as a therapist is to create a safe, compassionate space where you can be your authentic self while working toward real, lasting change. I believe therapy works best when clients feel both supported and empowered. ​ My approach is warm, authentic, and occasionally direct when needed, combining compassion, practical tools, and gentle guidance. I aim to help clients feel empowered to take the steps that matter most in their lives, while also feeling supported throughout the process. Therapy here isn’t about “fixing” you, it’s about helping you discover your own strength.
Available

New to Grow

$150/session

Warm
Authentic
Humorous

Specialties

Anxiety
LGBTQ
Life Transitions
+8
Let’s be real—life gets messy, and sometimes Googling your problems just isn’t cutting it anymore. I work with individuals 15 and up, navigating anxiety, stress, life transitions, or that constant “what am I doing with my life?” loop. I earned my BSW in 2013 from Prairie View A&M University and my MSW in 2016 from Our Lady of the Lake University. I hold an LCSW in TX, MN, ND and TN, and have over 8 years of experience supporting individuals and families from all walks of life. I’m passionate about working with people of color, and I aim to create a supportive, affirming space where you feel seen and respected. If you’re ready to stop spinning your wheels, your path Back to Life starts here!
Available

New to Grow

$105/session

Specialties

Anxiety
Bipolar Disorder
Depression
+8
I"m Lori, and I have been a therapist for approximately 19 years. I have worked with a variety of clients over my career, and I enjoy watching clients emerge from depression, cope better with anxiety, or manage bipolar symptoms more effectively. I strive to build a good working relationship, so clients feel truly heard and can face challenges with increased support.
Available

New to Grow

$100/session

Specialties

Anger Management
Anxiety
Child or Adolescent
+10
I am a counselor based out of Tennessee. Educationally: I have earned a Bachelor of Science in Psychology and Master of Arts in Professional Counseling. I currently hold both Licensure tiers of LPC and MHSP in the state of Tennessee. I am originally from Alabama but have lived and practiced in Tennessee for the last 15 + years. Throughout my career I have worked with clients and client families of all ages and a wide variety of backgrounds on a who have been dealing with a wide variety of issues. I pride myself on providing a supportive and welcoming environment that encourages collaboration with my clients as we work towards your specific goals. I feel that when done correctly therapy should empower the client and view my role as providing guidance and evidence-based interventions that respect the client's personal needs, goals and unique backgrounds.
Available

New to Grow

$145/session

Specialties

Anxiety
Coping Skills
Life Transitions
My career began by working with underprivileged families with children. My current focus is for adults who are overwhelmed by life in general. Those who are juggling work, children, partners, or/elder care. Life is complex. We all need a little support from time to time. If you are anxious, grieving, or depressed I will listen, empathized and help you improve your situation.
Available

Often rebooked

$120/session

Warm
Authentic
Empowering

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

New to Grow

$100/session

Specialties

Addiction
Life Transitions
Self-Harming
+9
I believe meaningful change happens when people feel heard, supported, and equipped with practical tools. My approach combines Cognitive Behavioral Therapy (CBT) with principles of positive psychology to help clients better understand their thoughts, build resilience, and create lasting, meaningful change. I work collaboratively with clients to identify strengths, overcome challenges, and develop healthy coping strategies that support emotional well-being and personal growth. Whether you're navigating anxiety, depression, life transitions, stress, or simply striving for a more fulfilling life, I provide a compassionate, goal-oriented space where you can move forward with confidence. Outside of my practice, I value living an active lifestyle and understand the important connection between physical and mental well-being. I enjoy staying active and believe that movement, balance, and self-care are important components of overall health. My goal is to help clients develop practical skills that empower them to thrive not just cope in their everyday lives.
Available

$100/session

Warm
Authentic
Open-minded

Specialties

Anxiety
LGBTQ
Trauma and PTSD
+8
Hi! I’m Macy! I’m a warm, down-to-earth therapist from East Tennessee who believes you don’t have to navigate life’s challenges alone. I strive to create a supportive space where you feel heard, accepted, and truly understood. Together, we’ll work at your pace to build coping skills, explore patterns, and process difficult experiences. As an EMDR-trained therapist, I help clients heal from trauma and painful experiences while supporting growth, self-discovery, and meaningful change.
Available

$140/session

Solution oriented
Intelligent
Warm

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.
VirtualAvailable

New to Grow

$150/session

Warm
Authentic
Direct

Specialties

Anxiety
Depression
Women's Issues
+10
Hi, welcome! I am Laura Phillips a Licensed Clinical Social Worker (LCSW) with over a 13 years of mental health experience. Currently, I specialize in supporting females, ages 15-65+, navigating anxiety, depression, trauma, self-esteem concerns, co-dependency, grief and loss, and other life transitions. I meet my clients where they are at and strive to provide quality care. See you soon!
Available

New to Grow

$75/session

Specialties

Anxiety
Coping Skills
Depression
+8
Hi, I’m Amy. I’m glad you’re here. I know reaching out for therapy can feel like a big step, and I want you to know you don’t have to do it alone. My goal is to create a warm, welcoming space where you feel seen, heard, accepted, and never judged. I provide LGBTQIA+-affirming care and have a special passion for supporting older adults as they navigate the changes that come with aging. Whatever brings you to therapy, we’ll work together at a pace that feels right for you.
Available

$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.
VirtualAvailable

$95/session

Open-minded
Authentic
Humorous

Specialties

ADHD
Anxiety
Depression
+10
Are you stuck? Struggling with big feelings? Trouble focusing and staying organized? Just need someone who is not connected to you in any other way to talk with and bounce things off of? I can help! The journey of a thousand miles begins with the first step. It is often difficult to begin the journey of therapy, and I am glad you are considering it. Most people come to therapy hoping to try and fix something in their life that does not seem to be working so well. I will work with you to try and discover what is going on and how we can work together to help you be the best self you can be. I believe in focusing on building small, easy-to-learn coping skills and taking consistent baby steps towards your goals. My name is Jason Fox, and I am a Licensed Professional Counselor with a Mental Health Service Provider designation in Tennessee (LPC, MHSP). I have 19 years of experience in mental health. I practice primarily cognitive behavioral therapy. I focus on trying to teach people that we need to think and act better first in order to feel better. I have experience working in crisis and crisis supervision. I have seen a lot of different things over the years, and the most important thing to me as a therapist is to meet clients where they are and to have a positive working relationship with them to help them get to where they are going.
VirtualAvailable

New to Grow

$120/session

Specialties

Anxiety
Depression
Family Therapy
+10
Basically, I use Cognitive Behavioral Therapy. I have a background of working with individuals but due to my family therapy training I do want to know your family situation and ways that work and don't work for you. I have been working with Medicare clients and SPMI (Severe and Persistent Mental Illness). Many time I have found that clients who usually manage their lives well can sometimes feel overwhelmed by changes in their lives. I truly want to locate and focus on strengths, but want to be supportive of areas where support is needed. Life can be difficult and learning coping skills can help us navigate both the highs and lows that life brings us. I am friendly and positive. I want to help you feel better. If there are traumas, I will listen. 🛷
Available

New to Grow

$125/session

Specialties

Career Counseling
Coping Skills
Self Esteem
+5
As a Licensed Clinical Social Worker, I take a holistic approach to therapy, recognizing that mental health is influenced by every aspect of your life—your relationships, physical well-being, environment, values, and personal goals. Whether you're a student-athlete striving to perform at your highest level or a professional navigating the demands of a busy career, I provide a supportive space where you can step away from the pressure and focus on yourself. My style is warm, collaborative, and practical. Together, we'll address challenges such as anxiety, stress, burnout, life transitions, performance concerns, and relationship issues while building resilience, confidence, and effective coping skills. I believe therapy should be personalized, empowering, and focused on helping you create lasting change—not just manage symptoms. My goal is to help you thrive both personally and professionally by supporting your mental, emotional, and overall well-being so you can perform at your best and live a balanced, meaningful life.
Available
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.