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 213 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: 1/26/2026

Rated 5.0 stars out of 51 ratings
Rated 5.0 stars out of 51 ratings

$120/session

Specialties

Anxiety
Life Transitions
Spirituality
+8
I am a Licensed Professional Counselor – Mental Health Service Provider (LPC-MHSP) with seven years of experience helping individuals navigate life’s challenges and work toward meaningful change. My background includes working with clients across a wide range of ages, from adolescents to older adults, which has given me a strong understanding of the unique needs and perspectives at different stages of life. I hold a Bachelor’s degree in Psychology and a Master of Science in Counseling, which provide the foundation for my work in mental health.
VirtualAvailable
Rated 5.0 stars out of 534 ratings
Rated 5.0 stars out of 534 ratings

$110/session

Authentic
Open-minded
Direct

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
Rated 5.0 stars out of 52 ratings
Rated 5.0 stars out of 52 ratings

$135/session

Warm
Solution oriented

Specialties

Spirituality
Trauma and PTSD
Women's Issues
Hi, my name is Diane Darby and I am a licensed Clinical Social Worker in Texas and Tennessee. I have been a therapist for over 30 years and I love what I do - supporting my clients in making meaningful change in their lives and moving in the direction of what matters to them. I prioritize creating a safe and nonjudgmental space. My therapeutic approach is flexible and holistic, incorporating various strategies to meet your individual needs. I am skilled in Eye Movement Desensitization Reprocessing, (EMDR), Somatic Therapy, Mindfulness, and Internal Family Systems and will utilize these approaches to support you in gaining insight, developing coping strategies, and achieving lasting change. Additionally, if it is of interest to you, I am also able to incorporate spiritual practices grounded in mindfulness. These practices support you in raising your consciousness in order to create alignment with your heart, body, and soul so that healing may begin.
VirtualAvailable
Rated 5.0 stars out of 594 ratings
Rated 5.0 stars out of 594 ratings

$125/session

Solution oriented
Warm
Empowering

Specialties

Anger Management
Anxiety
Life Transitions
+10
I am licensed in Tennessee with 10+ years of professional work experience. I have experience in assessing clients with coping with grief and loss, parenting issues, anger management, & coping with life changes. I work with my clients to create an open and safe environment where thoughts and feelings can be shared without fear of judgment. Taking the first step to seeking a more fulfilling and happier life takes courage. I am here to support them in that process.
VirtualAvailable
No reviews yet
No reviews yet

New to Grow

$135/session

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
No reviews yet
No reviews yet

New to Grow

$175/session

Specialties

ADHD
Autism
Learning Disabilities
+2
I’m a licensed psychologist (PhD) who works with clients of all ages in a warm, compassionate, and validating way. I’m neurodiversity-affirming and support individuals in coping with sensory and social input, navigating emotions, and building skills around organization and planning. My approach integrates compassion-focused and solution-focused therapy, along with mindfulness and self-compassion practices, to support both emotional understanding and practical change. I strive to create a responsive, collaborative space where you can feel understood, respected, and supported as your authentic self.
VirtualAvailable
Rated 4.9 stars out of 57 ratings
Rated 4.9 stars out of 57 ratings

$100/session

Challenging
Empowering

Specialties

Anxiety
Depression
Grief
+10
I’m Charity Smith, a Licensed Clinical Social Worker with over 12 years of experience supporting individuals and families across outpatient, medical, military, and telehealth settings. I provide compassionate, evidence‑based care tailored to each client’s needs, drawing on approaches like CBT and DBT to help manage stress, navigate life transitions, and build resilience. My goal is to create a safe, supportive space where you feel heard and empowered to make meaningful change.
VirtualAvailable
Rated 4.9 stars out of 5191 ratings
Rated 4.9 stars out of 5191 ratings

$130/session

Humorous
Authentic
Open-minded

Specialties

Anxiety
Coping Skills
Depression
+6
Welcome! I'm Melissa. Do you feel anxious, troubled, or unhappy most days? Do you simply want someone to listen, understand, and help? I'm in recovery for alcohol use disorder and am a combat veteran. I've had to learn coping skills or lose everything. I understand anxiety and depression, which helps me provide a compassionate, collaborative, and grounded approach. I specialize in helping individuals develop coping skills that can be used in real-time to alleviate negative moods and improve daily functioning. Whether you're facing a major life transition or seeking to learn coping skills, I'm here to walk with you through the process. Healing isn't linear, and therapy should be tailored to your unique goals and strengths. I can help you better understand the connections between your thoughts, feelings, and behaviors: "What makes you tick?" Together, we can identify negative thinking and reshape it in a way that changes how you feel. I can help you challenge negative thoughts and identify more helpful/realistic thoughts. This will help you better enjoy your life because you will view it more positively. We'll create long-term change with tools such as quick and easy mental exercises. I also integrate journaling, mindfulness exercises, and stress-reduction techniques to support positive outcomes. Together, we can identify healthy coping skills that actually work. You deserve a life that brings you contentment and joy. Let's work together on this journey of healing.
VirtualAvailable
Rated 4.9 stars out of 573 ratings
Rated 4.9 stars out of 573 ratings

$70/session

Humorous
Open-minded
Authentic

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
Rated 5.0 stars out of 519 ratings
Rated 5.0 stars out of 519 ratings

Often rebooked

$135/session

Authentic
Empowering
Humorous

Specialties

Anxiety
Grief
Life Transitions
+10
Hi. It's nice to meet you! I am a mental health therapist that is located in Nashville, TN. I serve clients struggling with mood disorders, life transitions, trauma, grief, and eating disorders. I have two years of experience working in a residential facility for the treatment of eating disorders and a year working with substance use disorders in the underserved community. Client's often share that through our work, they have found a greater sense of self acceptance, learned how to regulate emotions, and developed practice tools to navigate daily challenges. They describe feeling more hopeful, more connected, and better equipped to live in alignment with their values. Witnessing these shifts- seeing clients move from pain and self-doubt to resilience and empowerment- is at the heart of why I do this work.
VirtualAvailable
Rated 5.0 stars out of 513 ratings
Rated 5.0 stars out of 513 ratings

$145/session

Intelligent
Empowering

Specialties

Anxiety
Life Transitions
Trauma and PTSD
+3
I received my Master's in Psychology from Pepperdine University and have specialized training in whole-body healing techniques like EMDR, Brainspotting, & Nutritional Psychology. My passion lies in empowering clients to develop adaptive skills and invite meaningful change into their lives. Together, we can explore new ways of being and break free from old patterns that may be holding you back. .
VirtualAvailable
No reviews yet
No reviews yet

New to Grow

$100/session

Specialties

Depression
Grief
Suicidal Ideation
+8
I am a Licensed Clinical Social Worker who provides a warm, supportive space for individuals navigating life changes, grief, and emotional stress. Using CBT and Narrative Therapy, I help clients make sense of their experiences, build coping skills, and reconnect with their strengths. My goal is to meet you where you are and support you on your path toward healing and growth.
VirtualAvailable
Rated 5.0 stars out of 55 ratings
Rated 5.0 stars out of 55 ratings

$130/session

Authentic
Solution oriented

Specialties

ADHD
Anxiety
Life Transitions
+3
My therapy style is warm and interactive, and I enjoy building rapport with clients over time. I believe the greatest feeling is when a client knows it's time to transition out of therapy and feels equipped to do so after our time together. I am a compassionate and collaborative therapist dedicated to helping individuals navigate challenges and build fulfilling lives. My approach is warm and interactive, focusing on empowering clients with practical tools and coping strategies. Together, we’ll create a personalized path toward your goals and lasting well-being.
VirtualAvailable
Rated 4.9 stars out of 550 ratings
Rated 4.9 stars out of 550 ratings

$90/session

Warm
Solution oriented
Intelligent

Specialties

Addiction
Anxiety
Depression
Hi ~ I'm a Licensed Professional Counselor in Missouri and Tennessee; I have been licensed for 13+ years. My focus is to help people learn how to manage anxiety and depression so as to live a more fulfilling life. I will provide resources, teach skills, and provide encouragement to help make changes. We will collaborate to make a plan for long term success.
VirtualAvailable
Rated 4.9 stars out of 5110 ratings
Rated 4.9 stars out of 5110 ratings

$165/session

Warm
Empowering
Authentic

Specialties

Depression
Perinatal Mental Health
Women's Issues
+8
Mrs. Whiteside has worked in various mental health settings maintaining her unwavering focus on mothers and small children. As a perinatal psychotherapist, Mrs. Whiteside works with mothers and/or families who are struggling with perinatal mental illness during pregnancy and the postpartum period. Mrs. Whiteside is currently a social work doctoral student at The University of Louisville researching the impact of perinatal mood disorders, as evidence indicates that depression and other mood disorders in parents can have a harmful impact on children, including cognitive difficulties, insecure attachment, and behavioral problems.
VirtualAvailable
Rated 5.0 stars out of 55 ratings
Rated 5.0 stars out of 55 ratings

$150/session

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
Rated 5.0 stars out of 53 ratings
Rated 5.0 stars out of 53 ratings

$115/session

Empowering
Authentic

Specialties

Child or Adolescent
Parenting
Trauma and PTSD
+10
I bring over 12 years of experience helping children and adults navigate life’s challenges, including addiction, trauma, parent-child conflicts, marital and family issues, anxiety, depression, grief, and major life transitions. My background in Trauma-Focused Cognitive Behavioral Therapy (TF-CBT) and Eye Movement Desensitization and Reprocessing (EMDR), along with other evidence-based approaches, allows me to tailor therapy to your unique needs. My goal is to help you build a sense of stability, hope, and authenticity as we work together toward meaningful change.
VirtualAvailable
Rated 5.0 stars out of 5110 ratings
Rated 5.0 stars out of 5110 ratings

$90/session

Authentic
Empowering
Solution oriented

Specialties

ADHD
Anxiety
Couples Counseling
+8
Hi there, I'm Andrea. Are you feeling overwhelmed with life? Does the never-ending ticker tape of to-do's running through your head leave you feeling physically exhausted and emotionally depleted? Do you feel pulled in a million directions, unable to fit it all in? Are you struggling to keep up with your relationships, work and health? Is it hard to be kind to yourself? Are you struggling as a parent, trying to get it all right but not sure what to do? I help people just like you manage anxiety and avoid burnout. Together, we can identify what's not working and get you back to balance. We'll use a whole self approach, addressing the needs of your mind, body and spirit. Whether you're dealing with overwhelm, relationship issues, parenting struggles, challenging symptoms of ADHD, or cycles of anxiety and depression, I'm here to help. Seeking therapy can feel scary but you're making the right choice. You deserve a safe space to heal and grow. In our sessions together, I'll meet you with compassion and evidence-based techniques so you can overcome the hangups and habits holding you back. Let's work together!
VirtualAvailable
Rated 5.0 stars out of 521 ratings
Rated 5.0 stars out of 521 ratings

$160/session

Empowering
Authentic

Specialties

Anxiety
Life Transitions
Trauma and PTSD
+9
I began my career as an elementary school teacher and later went on to open and run a preschool for 10 years. Working with children and families during those seasons taught me so much about resilience, connection, and the power of being truly seen. I was a late starter in my own therapy journey, and it was one of the bravest and most life-changing decisions I’ve ever made. Through the support of incredible therapists, I was finally able to face and heal the traumas I had carried for so long. Their compassion and wisdom inspired me deeply, so much so that I returned to graduate school to become a therapist myself. My desire is simple: to help others in the ways my therapists helped me. I believe that every person has their own story and lived experiences that shape who they are. I come to each session with an open mind and heart, meeting clients where they are with compassion, curiosity, and respect. My goal is to create a space where people feel safe to explore, heal, and grow. I’ve been married to my best friend for over 25 years, and together we have an adult daughter and two beloved fur babies. Outside of the therapy room, you’ll most likely find me out in nature, kayaking, walking trails, or simply enjoying the calm. My family and I love playing all kinds of board games, and I also enjoy reading, painting, and watching movies when I need to recharge. At the heart of everything I do is a deep belief that healing happens in safe, authentic connection and I am honored every time someone invites me to be part of that journey.
VirtualAvailable
Rated 4.9 stars out of 5158 ratings
Rated 4.9 stars out of 5158 ratings

$100/session

Authentic
Empowering
Warm

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
Rated 5.0 stars out of 5138 ratings
Rated 5.0 stars out of 5138 ratings

$160/session

Solution oriented
Open-minded
Intelligent

Specialties

Anxiety
Couples Counseling
Trauma and PTSD
+5
Hello! I am a Licensed Clinical Social Worker and have been practicing in a variety of settings for 20 years. I enjoy working with clients and families to build upon skills and resilience that will serve them in their treatment journey. I have extensive experience treating trauma, mood disorders, self harm / suicidal thinking, anxiety and addiction. I believe clients can and should thrive in the therapeutic experience.
VirtualAvailable
Rated 5.0 stars out of 55 ratings
Rated 5.0 stars out of 55 ratings

Often rebooked

$150/session

Intelligent
Open-minded

Specialties

Anxiety
Depression
Life Transitions
+8
I am a Licensed Clinical Social Worker in TN with a varied background of experience and knowledge. I love helping clients identify what is holding them back in their lives and work on meeting new challenges with comfort and healing. My goal is to make clients feel comfortable and safe while they share their thoughts and feelings. I am here to be supportive but not tell you have to run your life- that is YOUR decision. I sort through the options, the barriers and the coping strategies available.
VirtualAvailable
Rated 4.9 stars out of 576 ratings
Rated 4.9 stars out of 576 ratings

$140/session

Authentic
Warm
Open-minded

Specialties

Anxiety
Depression
Trauma and PTSD
+10
Hi, I’m Julisa. I am a masters level Licensed Professional Counselor, practicing remotely in Rhode Island and Pennsylvania. As a Philadelphia native and person of color, I am driven by my desire to provide healthy representation of breaking generational trauma. I aim to get rid of stigmas related to seeking professional help. I am passionate about using my 11 years of experience to help clients feel genuinely seen, without judgement. I work with adult individuals and couples on various issues including anxiety, depression, PTSD, bi-polar disorders, relationship concerns, body positivity, LGBTQIA+ concerns, women's issues, and life transitions.
VirtualAvailable
No reviews yet
No reviews yet

New to Grow

$150/session

Specialties

ADHD
Anxiety
Couples Counseling
+4
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
Rated 5.0 stars out of 523 ratings
Rated 5.0 stars out of 523 ratings

$120/session

Specialties

Anxiety
LGBTQ
Peer Relationships
+9
Hello! My name is Lee Owen, and I am a Licensed Clinical Social Worker (LCSW) providing virtual therapy in Tennessee. My focus is serving young adults and adults navigating life transitions. I believe that the emotions we are most tempted to run away from– fear, grief, anger– exist to tell us about the kind of life we want. I help clients learn to identify and listen to their emotions rather than being overwhelmed or shut down. I use evidence-based approaches to treat depression, anxiety, trauma and PTSD, and eating disorders. We will also work together to increase mindfulness and self-compassion and strengthen the relationships in your life.
VirtualAvailable
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.