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 248 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: 10/17/2026

New to Grow

$120/session

Specialties
Anxiety
Spirituality
Trauma and PTSD
+9
I am a Licensed Professional Counselor with over 25 years of experience working with individuals and families in a variety of areas such as anxiety, depression, parenting, infertility, relationship issues, abuse, trauma, adoption, grief and loss, professional/ministry burn-out, spiritual abuse, and faith related concerns. I serve from a compassionate and trauma-informed approach, blending clinical expertise with biblically-grounded wisdom to promote healing and assist clients in their journeys toward peace-filled and joyful living.
Available

$95/session

Authentic
Direct
Intelligent
Specialties
Addiction
Child or Adolescent
Men's Issues
+2
Hey, I am a Christian Licensed Professional Counselor residing in Tennessee. I am a husband and father. I have been counseling for 16+ years. I have done a lot of work with adolescents and adults who struggle with addictions. I am passionate about mens issues, but I have helped men and women with trauma. I love to help people on their path to wellness, realizing everyone moves at their own pace.
VirtualAvailable

$120/session

Authentic
Humorous
Warm
Specialties
Coping Skills
Life Transitions
Peer Relationships
+2
Hi there! It's so nice to virtually meet you - I don't tend to enjoy small talk and I don't find credentials to be all that interesting (LCSW in TN), so I am going to tell you some facts about myself. I believe the most important part of therapy is the therapeutic relationship, so if we have similar interests and/or values, we may be a good fit. Here we go: - I am an unapologetic Swiftie - I hand out book recommendations and quotes like they're candy - I have a deep passion for travel - and especially get a kick out of doing it on a budget - I am a bit of a personal finance nerd, to the point of getting a certificate in Financial Social Work (that's right- that means we can work on your finances together!) - I am a big fan of social justice and human rights - I have two dogs - a chocolate lab and a boxer - I enjoy getting outdoors and into the backcountry - I always get my daily dose of reality tv Here is one of my favorite quotes: "These are the words I want on my gravestone: that I was a helper, and that I danced." Anne Lamott
VirtualAvailable

$120/session

Authentic
Humorous
Warm
Specialties
Anxiety
Couples Counseling
Men's Issues
+7
I am Roger DeWilde , a licensed professional counselor (LPC-MHSP). As a licensed therapist serving clients across Tennessee, I specialize in supporting individuals navigating life's complex transitions and emotional challenges. My professional approach centers on helping people develop resilience, find meaningful purpose, and strengthen personal relationships. As a counselor I have worked with many clients over the years dealing with anxiety, depression, grief, trauma, relationship issues, marriage problems and much more. Life is complicated and I look forward to meeting you where you are at and helping with finding the answers for a better path forward .
VirtualAvailable

New to Grow

$75/session

Specialties
Addiction / Substance Use
Life Transitions
Trauma and PTSD
+5
No matching results, press enter to execute your custom prompt fix spelling and grammer I’m Caitlin Murray, a Licensed Clinical Social Worker (LCSW). I work with adults, couples, and teens to help them understand the patterns in their lives that no longer serve them and to discover new, healthier alternatives. I welcome clients from all backgrounds without judgment, as long as they have a desire to move their lives forward. My approach is warm and collaborative, grounded in the belief that everyone deserves to feel safe, seen, and accepted. I primarily utilize Cognitive Behavioral Therapy (CBT), Dialectical Behavior Therapy (DBT), and motivational interviewing techniques. However, I incorporate methods from other modalities as necessary to help my clients identify the patterns that cause discomfort and establish healthier habits to replace them—all with a collaborative approach. At the end of the day, you are the expert on yourself. If something does not work, we will find a better approach.
Available

$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

$150/session

Authentic
Holistic
Solution oriented
Specialties
Addiction
Anxiety
Depression
+4
Welcome! I am a Licensed Clinical Social Worker (LCSW), alumni/graduate of the University of Tennessee, Knoxville (2002, 2004). Over the years, I’ve provided therapy and coaching to diverse populations, drawing from my background as a former coach, athlete, and ministry/chaplain to offer a grounded, relational, and purpose-driven approach to care. My style is empathetic, compassionate, and engaging — blending clinical expertise with coaching, accountability, and practical tools to meet clients where they are. I take a holistic approach to wellness, addressing mental, physical, and spiritual health, with a specialization in Faith-Based (Judeo - Christian) integration. Neurodivergent-friendly and committed to creating a respectful, supportive space for growth and healing, including for First Responders, those in Ministry, or dealing with Religious, Spiritual Abuse, and Trauma. Please read the full description before booking. Thank you for your consideration — I look forward to the possibility of working together. כֹּ֣ל הַ֭נְּשָׁמָה תְּהַלֵּ֥ל יָ֗הּ הַֽלְלוּ־יָֽהּ
VirtualAvailable

$75/session

Authentic
Empowering
Warm
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

$97/session

Authentic
Open-minded
Empowering
Specialties
Anxiety
Depression
Trauma and PTSD
+10
You have taken the first step and you are here. Let's get started! I am highly motivated and compassionate about providing safe and realistic therapy designed to meet your needs. As a therapist who believes that therapy should help you in real life. I want us to work together to thrive instead of just surviving. My practice is designed to include all walks of life such as professionals, stay-at-home parents, teens and adolescents, entrepreneurs students, family, friends or someone who seeks direction and personal management. Therapy should be non-judgemental, helpful, and affirming. I look forward to hearing from you so we can begin your therapy journey that aligns with your future! Are you still having doubts? It is okay! Let's do something about it! Are you ready for the next step? If so, select a time below that aligns with our schedules!
VirtualAvailable

$105/session

Authentic
Solution oriented
Empowering
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

$150/session

Warm
Authentic
Solution oriented
Specialties
Anxiety
Couples Counseling
Depression
+8
Karen Collins is a psychotherapist in private practice in Palm Beach Gardens, FL. She is originally from Ohio and graduated from The Ohio State University. She has worked at inpatient adult and adolescent psychiatric hospitals in Ohio for 8 years along with managing her private therapy practice and teaching at The Ohio State University. Then in 2012, she moved to Jupiter, FL where she began working at the West Palm Beach VA Medical Center for 10 years. Her career at the WPB VA Medical Center offered her the opportunity to work with Veterans in the following capacities over that 10 year period; as a Mental Health Therapist, Program Manager of Post Deployment Clinic and the Care Giver Support Program, Supervisor of Homeless Programs and Supervisor over programs serving Veterans with serious mental health conditions. In addition to working at the WPB VA Medical Center, she had a private practice in Jupiter, FL. In March of 2022, she left the WPB VA Medical Center in February to focus completely on her private practice which moved with her from Jupiter to Palm Beach Gardens, FL. She has published two books, one on relationships and another on managing depression. She has written a couples interactive co-journal and has published multiple articles on relationships, depression, improving well-being, thriving during and after a serious health issue and reducing acute stress response. She has a YouTube Channel, “Therapy with Karen Collins” where she posts peaceful places, guided meditations, provoking ideas to consider and a segment on managing acute stress response and improving overall well-being to teach how to prevent over-responding to stressors. She has provided therapy virtually for over 12 years.
VirtualAvailable

$130/session

Authentic
Warm
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

$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

$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

$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

Authentic
Solution oriented
Direct
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

$125/session

Warm
Authentic
Direct
Specialties
Anger Management
Anxiety
Depression
+5
For over 20 years, I have worked with individuals and families facing unexpected life challenges that disrupted their sense of peace, security, and connection. I specialize in helping adults navigate anxiety, depression, grief, trauma, life transitions, and relationship concerns. Many of my clients are seeking clarity about important decisions, healing from difficult experiences, improving communication, strengthening relationships, or becoming the healthiest version of themselves. Clients are the experts in their own lives. My approach integrates cognitive-behavioral, solution-focused, strengths-based, and mindfulness-informed techniques to promote emotional healing, personal growth, and resilience. My role is to provide a supportive, collaborative environment where clients can gain insight, build on their strengths, and develop practical tools to overcome challenges. I meet clients where they are, offering compassion, encouragement, and accountability while helping them identify patterns that may be keeping them stuck. Through therapy, they have gained greater clarity, resilience, emotional regulation, and confidence, allowing them to create meaningful and lasting change. I strive to create a therapeutic space that is warm, welcoming, and empowering; an environment where clients feel safe to be authentic, vulnerable, and free from judgment. My goal is for clients to leave therapy feeling heard, valued, and better equipped to navigate life's challenges with confidence.
Available

$100/session

Direct
Empowering
Warm
Specialties
Anxiety
Depression
Trauma and PTSD
+8
I am someone who likes to make a difference. I love helping people, and love seeing the changes client's can make when they know the path through. My therapeutic approach is inspired by a profound message from one of my favorite therapists: “You may feel like you're in the desert right now, but I will walk beside you. I won't pull you or push you. When you're tired, we'll rest. When you're scared, I'll stand with you. When you're sad, I'll sit with you. Together, we will reach the other side.” These words continue to resonate deeply with me and shape my compassionate, supportive practice.
VirtualAvailable

$125/session

Authentic
Warm
Open-minded
Specialties
Anxiety
Depression
Family Conflict
+10
Hi there! I’m a Licensed Professional Counselor with six years of experience working across a variety of mental health settings. Originally from Belzoni, Mississippi, I bring both professional expertise and a strong sense of community into my work. In my free time, I enjoy exploring new restaurants, traveling, and spending quality time with family and friends. These experiences help me stay grounded and connected, which I carry into my counseling practice. As a therapist, I strive to create a safe, nonjudgmental, and nurturing environment where clients feel supported as they learn, heal, and grow at their own pace. I believe that one of the most important aspects of counseling is the relationship between therapist and client, and I am committed to building a trusting, collaborative connection with each person I work with.
Available

$115/session

Solution oriented
Warm
Open-minded
Specialties
Anxiety
Life Transitions
Spirituality
+1
I am a Licensed Marriage and Family Therapist with 10+ years of experience working across outpatient therapy, in-home services, and telehealth settings. I currently work with adults who are navigating anxiety, stress, and life transitions and are looking for a supportive, grounded space to better understand themselves and move forward with clarity. My approach is collaborative and integrative, drawing from evidence-based modalities such as CBT, ACT, attachment-based therapy, and solution-focused techniques. I focus on helping clients develop practical coping skills while also exploring deeper patterns related to relationships, identity, and emotional well-being. Many of the individuals I work with are high-functioning but feeling overwhelmed, stuck, or disconnected from the direction they want their life to take. In therapy, we work together to create more stability, self-understanding, and alignment with personal values and goals. For clients who desire it, I also offer faith-based counseling and can integrate spiritual beliefs into the therapeutic process as part of healing and growth.
Available

$180/session

Authentic
Empowering
Specialties
Attachment Issues
Sexual Abuse
Trauma and PTSD
Hello! I’m a Licensed Marriage and Family Therapist with over 15 years of experience, and I consider it one of my greatest privileges to walk alongside clients as they navigate their journey toward healing, growth, and greater self-understanding. I believe deeply in the power of hope—especially during seasons of life when hope can feel difficult to find or hold onto. My goal is to create a warm, welcoming therapeutic space where you feel truly seen, heard, and respected. I believe meaningful change begins with a strong therapeutic relationship built on trust, compassion, and collaboration. Together, we’ll work toward understanding your experiences, navigating life’s challenges, and creating healthier, more connected relationships—with yourself and with others.
Available

$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

$140/session

Solution oriented
Intelligent
Open-minded
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

Often rebooked

$175/session

Solution oriented
Warm
Empowering
Specialties
ADHD
Anxiety
Autism
+6
I’m a licensed psychologist (PhD) specializing in autism, ADHD, and complex patterns in both children and adults. I work with thoughtful individuals and parents who feel stuck, overwhelmed, or like something isn’t fully adding up—especially when traditional approaches haven’t helped. My approach is warm, direct, and insight-driven. I don’t just listen—I help you understand patterns, make sense of what’s going on, and figure out what actually works for your brain (or your child’s). I’m neurodiversity-affirming and experienced in differentiating anxiety, burnout, ADHD, and sensory or social overwhelm. With parents, I focus on helping you understand your child more clearly and respond in ways that actually work—so things feel more manageable at home. Sessions are collaborative, practical, and focused on meaningful change.
VirtualAvailable

$150/session

Direct
Intelligent
Solution oriented
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
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.