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 234 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: 5/3/2026

New to Grow

$65/session

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

$125/session

Specialties

Anxiety
Depression
Trauma and PTSD
+10
I'm a licensed clinical psychologist with 17 years experience seeing a wide-variety of clients of all age ranges who have come to me with a plethora of diverse presenting concerns. I approach therapy from a collaborative perspective with the understanding that the client is in the driver's seat and my role is to serve as a navigator to help each person move in a value-oriented manner that is goal-directed.
Available
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$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
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$85/session

Open-minded
Warm
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
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$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
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New to Grow

$110/session

Specialties

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

$130/session

Authentic
Empowering
Intelligent

Specialties

Anxiety
Couples Counseling
Life Transitions
+6
Wife. Mother. Therapist. Navigator. I value my authentic self and believe we all can trace life’s imprints to dive into the core of who we are versus what life has conditioned us to be. I hone in on my abilities to help all you navigators explore whichever capacities it is that you seek to grow through, heal from, or transition into. You are not just another name, but a whole light. We are all perfectly imperfect. I truly believe you can become stronger through a healthier relationship with yourself and others when equipped with the proper navigational tools.
VirtualAvailable
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$165/session

Warm
Authentic
Empowering

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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$80/session

Empowering
Solution oriented
Authentic

Specialties

Coping Skills
Grief
Life Transitions
+4
It takes courage to surrender and reach out for help. I help people who are in Transition in their lives, whether it is loss of a person, a pet, a job, a relationship, or the secondary losses experienced through chronic illness, chronic pain and terminal diagnosis. I am a Transition Specialist helping people to be able to cope through the changes with dignity and grace. Lowering anxiety levels, frustration levels and assisting people in being able to manage the big emotions, difficult decisions and sometimes challenging relationships while going through the changes and transitions 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.
Available
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New to Grow

$100/session

Specialties

Anxiety
Child or Adolescent
Trauma and PTSD
+6
I work with children, adolescents, and young adults, especially those navigating trauma, stress, or emotional challenges. With specialized training in child and adolescent concerns and trauma-related issues, I tailor my approach to meet each person where they are. My counseling style is flexible and down-to-earth. I’m easygoing and approachable, while also being direct and supportive when needed. Clients often describe me as caring, compassionate, and easy to talk to—with a sense of humor that helps make the process feel a little more comfortable. I focus on helping you identify your strengths and use them to work through whatever you’re facing. Whether you’re feeling overwhelmed, stuck, or unsure of what to do next, I offer a safe, nonjudgmental space where you can be open and honest. Together, we’ll sort through what’s been difficult and find practical ways to help you move forward.
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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
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$125/session

Authentic
Warm

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
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$130/session

Warm
Authentic
Open-minded

Specialties

Grief
Life Transitions
Military/Veterans
+1
Hello! I'm Patricia. Thank you for visiting my profile. Grief enters our lives uninvited and its impact can continue to effect us for years. It may have been the death of a loved one, either recent or long ago. It may have been a divorce or the break up of a romantic relationship. It may have been the loss of a treasured pet, or any of the more than forty other losses that a person can encounter in a lifetime. Regardless of the cause of your broken heart, you know that life is not as happy or fulfilling as you want it to be. Often, well-meaning people say to "be strong" or "just give it time" which can leave us feeling like we are doing something wrong or should feel differently. Sometimes, we simply tuck our feelings away, hoping that they will eventually disappear. In our sessions, we will uncover the misinformation and beliefs that keep us stuck and unhappy. Unresolved grief stems from the things we wish we'd said or done differently, better or more. You will learn how to discover and communicate those unsaid things, so that they no longer limit you or affect your capacity for happiness.
VirtualAvailable
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$175/session

Solution oriented
Warm
Authentic

Specialties

Anxiety
Depression
Family Conflict
+6
I’m Jenn, a Licensed Clinical Social Worker providing therapy since 2002. I specialize in anxiety, relationship stress, grief, infertility, postpartum emotional health, and major life transitions. I help adults reduce anxiety, feel more confident in their decisions, and develop practical tools they can use immediately in everyday life. I know it takes courage to reach out for support. If you’re here, you’ve already taken an important first step. I look forward to meeting you and working together toward the meaningful change you’re ready for.
VirtualAvailable
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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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$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
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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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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.
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.
VirtualAvailable
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$95/session

Authentic

Specialties

Coping Skills
Depression
Older Adults
+1
I have worked in counseling in TN for many years, and held my license since 2001. I am a native of Nashville. I love the outdoors, competitive sports, volunteering, all of the nature in our state, music, family, and building faith in life. I want each person I see to find hope, to feel encouraged/supported, and to realize that there is growth and solutions after each battle. Anyone brave enough to seek support, deserves to know that taking that first step...is the hardest part. I want to help as a teammate. I like to find strengths/solutions/coping strategies.
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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.
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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.