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 252 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: 9/17/2026

$100/session

Authentic
Warm
Empowering
Specialties
Anxiety
Child or Adolescent
Coping Skills
+5
Katherine spent the majority of her therapeutic career in a community based setting meeting with youths impacted by substance abuse, alcoholism, mental health and co occurring disorders within their homes and community’s. Katherine has worked with these youth and their families to help mend the ties that substance use has broken. Before starting her own practice, Katherine was a school social worker for youth and young adults with emotional, cognitive and other health impairments.
VirtualAvailable

New to Grow

$180/session

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

New to Grow

$120/session

Specialties
Bipolar Disorder
Personality Disorders
Suicidal Ideation
+4
I am a Licensed Clinical Social Worker (LCSW) in the states of Tennessee and New York. Starting therapy can be scary but I believe healing and growth are possible. I am here to support your goals and help you achieve the best version of you! I welcome you to begin this therapeutic journey together.
Available

Often rebooked

$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

$90/session

Warm
Authentic
Solution oriented
Specialties
Addiction
Anxiety
Depression
+7
I am a Licensed Clinical Social Worker in North Carolina with 10 years of counseling experience. I received my Master's Degree in Social Work from the University of North Carolina at Chapel Hill and have spent many years working in community behavioral health. My training and my work have shaped me into a clinician that understands a person's environment is as important as their mindset. You will find me to be supportive and an advocate for my clients complete health.
VirtualAvailable

$75/session

Authentic
Empowering
Open-minded
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

$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

New to Grow

$150/session

Specialties
Depression
Grief
Life Transitions
+2
I have over five years of experience supporting individuals from all walks of life, with a focus on depression, anxiety, parenting challenges, military culture and experiences, and life transitions. My approach is collaborative, strengths-based, and grounded in creating a safe, supportive, and nonjudgmental space where you feel heard and understood.
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

$120/session

Warm
Solution oriented
Authentic
Specialties
Depression
Grief
Trauma and PTSD
+10
Hello and welcome. It means a lot that you’ve taken this step. Every person carries such a unique story shaped by resilience and strength. Sometimes, those stories can feel heavy or overwhelming, and we may find ourselves needing a space to breathe and process. My hope is to create a safe and supportive environment where you feel heard and empowered to heal. In our work together, I take a compassionate and collaborative approach that meets you where you are, supporting you in working through current challenges while building toward the future that is possible. I typically practice in the Solution-Focused umbrella, incorporating Narrative Therapy into my work. Solution-Focused Therapy helps you identify your strengths and move toward your goals; while Narrative Therapy encourages exploring one’s personal story from the past, separating the individual from their problems, and envisioning how you want your story to continue. My experience consists of helping clients with family conflicts, trauma and abuse, parenting issues, mood disorders, anxiety, and depression. I have taught parenting classes for many years, which allowed me to help parents strengthen their relationships with their children and build more confident, nurturing connections. These experiences have deepened my understanding of the challenges families and individuals face, and reinforced my commitment to supporting each person’s unique journey toward healing and growth. I have over 20 years of experience in the mental health field, with 13 of those years dedicated to being a therapist. I am licensed to provide therapy to individuals across the state of Tennessee. It’s truly an honor to support people as they reconnect with themselves, rediscover hope, and move toward healing. Supporting others through life’s challenges is deeply fulfilling work, and I am grateful for the opportunity to be present with you on your journey.
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

$110/session

Warm
Authentic
Open-minded
Specialties
Anxiety
Depression
Trauma and PTSD
+6
My name is Amy Peeler and I have been a Licensed Clinical Social Worker for over 15 years. I enjoy working with patients to reach their goals in therapy. Sometimes in life you feel as if you are wading in the ocean waters and then you get toppled over by a wave. I want to be able to help you get back up and learn to ride that wave.
VirtualAvailable

$100/session

Authentic
Open-minded
Warm
Specialties
Anxiety
Depression
Trauma and PTSD
+10
Hello, thank you for considering me to help you on your healing journey. I am an LCSW and I have been a mental health professional for the past 15 years. My style is eclectic and I incorporate relevant techniques from evidenced based practices, based on the individual needs of my clients. I am a holistic practitioner and focus on mind, body, and spiritual wellness. I provide transformational psychotherapy through my virtual office. I utilize Eye Movement Desensitization and Reprocessing (EMDR), Dialectical Behavioral Therapy (DBT), Mindfulness Based Therapies, and Cognitive Behavioral Therapy are my main evidenced based tools.
VirtualAvailable

Often rebooked

$120/session

Warm
Authentic
Empowering
Specialties
Anxiety
Depression
Trauma and PTSD
+7
Do you struggle with feeling “good enough”? Are you sick of feeling overwhelmed, exhausted, and stressed? Do you feel like some days you are just going through the motions or barely have your head above water? I specialize in helping people understand themselves better so that they can actively work towards healing. I am passionate about helping individuals that struggle with anxiety, traumatic events, perfectionism, overthinking, fear, life transitions, and faith based concerns.
VirtualAvailable

$125/session

Warm
Solution oriented
Authentic
Specialties
Anxiety
Depression
Self Esteem
+10
I am a Licensed Professional Counselor, with 13 years of experience. My specialty is helping people live their best lives by overcoming unresolved trauma, self doubt, anxiety, depression, numbness, procrastination, or other blocks. I am a certified EMDR Therapist and trained in IFS. I combine these two powerful therapies to guide you through a healing process and help you achieve greater inner harmony and greater power over your life. I am eager to help you live your best life. Maybe you feel stuck. Maybe you are anxious more of the time than you want to be. Maybe you are trapped in the gray fog of depression. Maybe you're just numb. Together, we can explore what's happening inside you, and how you can be your truest Self more of the time, and be happy, productive, and at peace. The power of IFS (Internal Family Systems) and EMDR together has significantly shifted procrastination, anxiety, depression, relationship challenges, and much more for my clients. Join them! Make today the day you take the next step toward your best life! Schedule an appointment with me.
VirtualAvailable

Often rebooked

$120/session

Authentic
Direct
Open-minded
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.
VirtualAvailable

$120/session

Authentic
Empowering
Open-minded
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

$150/session

Intelligent
Empowering
Humorous
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

$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

$150/session

Warm
Authentic
Empowering
Specialties
Anxiety
Perinatal Mental Health
Trauma and PTSD
+7
Hi, I’m Amy. I live in Missouri with my husband, our sweet dog, and two very sassy cats who definitely keep life lively. Being both a military spouse and a Licensed Clinical Social Worker has shaped who I am, both personally and professionally. Over the years, I’ve had the privilege of walking alongside individuals as they navigate life’s transitions, challenges, and seasons of growth. I specialize in anxiety, trauma, and perinatal mental health. My journey into social work began with a bachelor’s degree from the University of Alaska, followed by a master’s degree from the University of Maine. For more than 20 years, I’ve supported people through anxiety, trauma, infertility, grief, and the everyday pressures of life. What I love most about this work is creating a safe, supportive space where you can feel heard, understood, and accepted while finding your own path forward. At the heart of my approach is the belief that you are not broken and don’t need to be “fixed.” Healing is possible, and resilience can grow even in the most difficult circumstances. Whether we’re working through painful past experiences, navigating anxiety and perfectionism, or adjusting to a major life transition, my goal is to help you develop greater self-compassion, reconnect with what matters to you, and create a life that feels meaningful and authentic. Therapy is a collaborative process, and I believe your experiences, goals, and readiness should guide our work together. You don’t have to have everything figured out before you begin. We can start where you are and take it one step at a time. If you’d like to learn more about me and the work I do, visit https://kerstenlcsw.com/.
VirtualAvailable

$150/session

Authentic
Empowering
Open-minded
Specialties
Anxiety
Depression
Perinatal Mental Health
+9
Hello, my name is LaTisha, professionally known as "TishatheTherapist." As a Licensed Professional Counselor and Mental Health Service Provider (LPC, MHSP), I am committed to providing a safe, non-judgmental space for women to explore their emotions. As a women's mental health specialist, my practice is founded on three core principles: a secure environment for sharing personal experiences, practical education for empowerment, and compassionate support to navigate challenging situations.
VirtualAvailable

Often rebooked

$175/session

Warm
Empowering
Humorous
Specialties
Anxiety
Postpartum
Trauma and PTSD
+10
I'm an LPC (TN), and LMHC (FL) with over 20 years of experience working with people impacted by trauma, anxiety, phobias, life transitions, perinatal experiences, and performance-related pressure and stress. My approach is warm, collaborative, and grounded in the belief that meaningful healing, emotional shifts, and lasting change can happen more gently, and often much more quickly, than people expect.
Available

$150/session

Authentic
Intelligent
Open-minded
Specialties
Addiction
Anxiety
Life Transitions
Dr. Jennifer Dozier, has her PhD in psychology and has extensive experience helping individuals, families, and children navigate life's challenges and achieve meaningful personal growth. Since 1995, she has worked extensively in the mental health field. Dr. Dozier utilizes evidence-based approaches including Cognitive Behavioral Therapy (CBT) and Brainspotting to help clients address anxiety, depression, trauma, relationship concerns, life transitions, and behavioral challenges. She is committed to creating a compassionate, supportive, and goal-oriented therapeutic environment where clients can develop resilience, improve emotional well-being, and create lasting positive change. Her approach emphasizes collaboration, empowerment, and individualized care tailored to each client's unique needs and circumstances.
Available

$90/session

Authentic
Solution oriented
Intelligent
Specialties
Anxiety
Depression
Trauma and PTSD
+9
Hi im Greg Kirkham! Im a licensed therapist, practicing for over 21 years. I specialize in treating trauma. Now, you may be saying “but I don’t have trauma!” Trauma comes in all shapes and sizes and is often not recognized as such, but almost always has a significant impact on someone’s overall mental, physical and emotional health. Trauma also presents in many different forms, including struggles with depression, anxiety and anger management. Over my career I have worked with an array of populations, including children/families, juvenile sex offenders, and even convicts. Currently, I serve those who served us as a therapist with the VA in middle TN. Over the past ten years, I’ve seen evidence-based treatments work wonders with PTSD and trauma in our veterans. With GrowTherapy, I’m now able to provide these and other treatments to YOU! Whether you’re not real sure or highly motivated to get help, I’d love to discuss options and see if we’re a good fit! Thanks for reading and congratulations on taking the first step towards a healthier and more fulfilling life!
VirtualAvailable

$120/session

Authentic
Warm
Humorous
Specialties
LGBTQ
Trauma and PTSD
Women's Issues
Greetings! I am a Licensed Clinical Social Worker (LCSW) based in Tennessee. The past 23 years I have worked in a variety of therapeutic roles in a variety of populations. I specialize in treating trauma and women's issues, but I don't exclusively see women. My job is to make you feel safe and comfortable when doing the work, and I am pretty good at it. Looking forward to getting to know you and walk along your recovery path together.
VirtualAvailable
Frequently asked questions

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.