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 244 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: 7/24/2026

Often rebooked

$100/session

Warm
Authentic
Empowering

Specialties

Anxiety
Depression
Trauma and PTSD
My name is Kelly Franklin and I am a Licensed Professional Counselor with a Mental Health Service Provider designation (LPC-MHSP) in Tennessee. I specialize in helping individuals who are experiencing trauma, PTSD, anxiety, depression, grief, and navigating significant life changes. I am passionate about providing a safe non judgmental space where you are seen and heard. Together we can outline the steps to reach your goals of healing and well being. It is such a wonderful journey!
VirtualAvailable

$100/session

Authentic
Empowering
Warm

Specialties

Anxiety
Couples Counseling
Sex Therapy
+9
Are you struggling with intimacy and feeling genuine connectedness to others? Have you suspected that you have attachment problems that seem to be repeated patterns in your life? What about sexual intimacy problems? Perhaps these are the topics you wouldn't want to share with anyone, but you'd still like to address. Let me help provide you with psychoeducation and "homework" to see actionable change in the way you relate to others and how pothers relate and connect to you.
VirtualAvailable

New to Grow

$75/session

Specialties

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

New to Grow

$100/session

Specialties

Life Transitions
Mood Disorders
Trauma and PTSD
You made it here, which means you've already taken one of the hardest steps toward prioritizing your mental health. Congratulations on investing in yourself! I am a Licensed Clinical Social Worker (LCSW) based in southern Kentucky. My journey began with a bachelor's degree in psychology, where I discovered my passion for helping others. That passion led me to earn my Master of Social Work and dedicate my career to supporting individuals through life's challenges.
Available

New to Grow

$100/session

Specialties

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

$135/session

Warm
Authentic
Solution oriented

Specialties

ADHD
Anxiety
LGBTQ
+9
Hello! I am licensed independent clinical social worker, LICSW who is a dedicated and compassionate therapist committed to supporting you on your path to emotional well-being and personal growth. I've had the privilege of guiding individuals through their various challenges for over two decades, helping each client discover their inner strength and resilience to manage symptoms or overcome life transitions and difficulties. I specialize working with anxiety, anger management, ADHD, improving relationships and communication, navigating life changes, and parenting challenges. I have considerable experience supporting LGBTQIA+ individuals and helping them to navigate the challenges they may encounter with family, friends, or community. I have also worked extensively with parents on navigating challenging childhood behaviors and teenage puberty. Therapy discussions may include behavior management techniques, setting appropriate boundaries, and improving communication to have a healthier parent/child relationship. I have worked with people of all ages ranging from children to the elderly, with more focus devoted to people in late teens to mid-life stages. I currently reside and am licensed in Tennessee with additional licensure in Minnesota, Wisconsin, Florida, and North Dakota.
VirtualAvailable

$130/session

Warm
Authentic
Open-minded

Specialties

Anxiety
Grief
Self Esteem
+9
Madison is a seasoned therapist with over 12 years of experience dedicated to empowering women and mothers through their mental health journeys. Madison creates a safe and supportive environment where her clients can explore their feelings and build resilience. Using Cognitive Behavioral Therapy (CBT) as a foundational approach, Madison focuses on helping clients challenge negative thought patterns and develop healthier coping strategies. She is also Health at Every Size® (HAES) trained, promoting a holistic understanding of health that celebrates body diversity and encourages self-acceptance. Madison’s compassionate and client-centered approach has made her a trusted ally for many women navigating the complexities of motherhood, self-image, and mental health. She believes in the power of connection and is committed to helping her clients find their strength and voice in their healing journeys.
VirtualAvailable

New to Grow

$145/session

Specialties

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

$140/session

Solution oriented
Intelligent
Warm

Specialties

Anxiety
Couples Counseling
Depression
+8
Hi! I am a psychotherapist (LCSW) with 11 years of practice in the clinical field and over 30 years of experience in the Christian approach. I graduated from the University of Hawaii but serve both Hawaii and Tennessee. I do my best work with clients who are seeking an amalgamation of the clinical and Christian approaches specifically in couples work and infidelity recovery. I have also seen some remarkeable transformations using experiential therapies for more trauma-related presentations.
VirtualAvailable

New to Grow

$95/session

Authentic
Intelligent
Open-minded

Specialties

Anxiety
LGBTQ
Trauma and PTSD
+10
Hi! I’m Macy! I’m a warm, down-to-earth therapist from East Tennessee who believes you don’t have to navigate life’s challenges alone. I strive to create a supportive space where you feel heard, accepted, and truly understood. Together, we’ll work at your pace to build coping skills, explore patterns, and process difficult experiences. As an EMDR-trained therapist, I help clients heal from trauma and painful experiences while supporting growth, self-discovery, and meaningful change.
Available

$95/session

Direct
Warm
Empowering

Specialties

Anxiety
Depression
Self Esteem
+9
Hello, and welcome. Reaching out for therapy can feel like a big step, especially if you’ve been carrying a lot on your own. Many people come to therapy feeling overwhelmed, unsure where to start, or simply wanting things to feel more manageable again. My goal is to offer a space where you can slow down, feel understood, and begin making sense of what you’re experiencing. I take a collaborative, supportive approach to therapy and work to meet you where you are. Together, we focus on understanding patterns, building emotional awareness, and developing practical tools that help you feel more grounded and confident in your daily life. Therapy with me is not about judgment or pressure—it’s about clarity, growth, and meaningful change at a pace that feels right for you.
VirtualAvailable

$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

New to Grow

$150/session

Specialties

Anxiety
Coping Skills
Depression
+9
Welcome to my practice designed to help you truly flourish. As your therapist I combine deep healing tools with forward focused approaches. Together we will not just manage your symptoms, we will uncover your strengths, clarify your values and actively build a life you love. My approach focuses on helping you safely process your current struggles and also give you a practical toolkit for day to day modern challenges. I am passionate about the unique roles animals play in your well-being.
VirtualAvailable

New to Grow

$100/session

Specialties

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

$120/session

Empowering
Authentic
Warm

Specialties

Couples Counseling
Family Therapy
Parenting
+5
Hi I am Kendra Simmons. Taking the first step toward improving your mental wellness is something to be proud of. Therapy can feel intimidating, especially when it’s misunderstood as a sign that something is “wrong.” In truth, it’s a healthy and proactive way to care for yourself. Everyone deserves a safe place to explore their experiences, heal, and find clarity. Whether you’re preparing for marriage, feeling overwhelmed in your relationship, navigating blended family dynamics, or managing personal struggles, I offer personalized support to help you move forward. My work centers on open communication, mutual trust, and meaningful understanding, empowering you to grow through every season of life.
Available

Often rebooked

$130/session

Warm
Authentic
Empowering

Specialties

Anxiety
Coping Skills
Grief
+2
I am a Licensed Clinical Social Worker with 33 years of experience in the mental health field working with a variety of clients and ages. I attended the University of Louisville and obtained a Master's in Social Work. I have worked in a variety of clinical settings including private practice, director of mental health centers, and director of psychiatric hospitals. I utilize a variety of techniques including EMDR, somatic, CBT, and faith based upon request.
VirtualAvailable

$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

$100/session

Warm
Open-minded
Authentic

Specialties

Child or Adolescent
Family Conflict
School Issues
+8
I have worked in school-based community mental health for six years. During this time I intermittently provided teletherapy and realized I love providing clients the access to therapy on their own terms. While I'm not new to the field, I’m excited to start using my experience to support clients and families with Grow! Therapy can feel intimidating and invasive, but it doesn't have to be! My goal is to make therapy approachable and beneficial for every client I serve. Are you a teenager caught in the challenges that come with being between childhood and adulthood? Are you a parent looking to better connect with and understand your child? Are you or your child having a hard time in school? Are you tired of the tension, arguments, hopelessness, and dysfunction? If so, you've come to the right place and I can't wait to help you get started!
VirtualAvailable

$99/session

Authentic
Open-minded

Specialties

High Clinical Acuity
Life Transitions
Serious Mental Illness
+9
Welcome—I'm glad you're here.
I provide a safe, supportive, and nonjudgmental space where you can explore your experiences, work through challenges, and begin creating meaningful, lasting change. My approach is warm and solution-focused. I aim to help you gain deeper insight while also taking practical steps toward healing and growth. I work with individuals navigating anxiety, mood disorders, thought disorders, personality disorders, and the weight of daily stress. Whether you’re feeling overwhelmed, stuck in patterns that no longer serve you, or trying to make sense of painful or confusing parts of yourself—you don’t have to go through it alone. I’m here to walk with you, every step of the way.
VirtualAvailable

$145/session

Warm
Empowering
Intelligent

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

New to Grow

$100/session

Specialties

Anxiety
Child or Adolescent
Depression
+9
Hello, I am Haley and I am a Licensed Professional Counselor. As a licensed therapist, I strive to create a safe, compassionate, and supportive environment where clients feel truly seen and heard. I believe healing begins through authentic connection, empathy, and understanding, and I am committed to walking alongside my clients as they navigate life's challenges. My approach is rooted in care, respect, and collaboration, allowing each individual to explore their experiences at their own pace while building trust and emotional safety throughout the therapeutic process. My goal is to help clients discover their inner resiliency, strengthen their confidence, and experience meaningful personal growth. Whether working with children, teens, young adults, or parents, I aim to empower clients to better understand themselves, develop healthy coping skills, and build stronger connections in their relationships and daily lives. I believe every person has the capacity for growth and healing, and I am passionate about helping clients move toward a more balanced, hopeful, and fulfilling future.
Available

$120/session

Authentic
Warm
Solution oriented

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

$175/session

Solution oriented
Warm
Empowering

Specialties

ADHD
Autism
Learning Disabilities
+2
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

$120/session

Intelligent
Empowering
Open-minded

Specialties

Anxiety
Depression
Life Transitions
+6
You appear calm and put together on the outside, internally you feel overwhelmed and exhausted. You've been doing everything you can to keep things together so no one notices how much you're struggling, but lately it feels harder to manage. You're doing your best to hold on, yet you worry that one more stressful situation could push you past your limit. You continue to smile, show up, and tell yourself you're okay, even when deep down you know you're not. Because you look “fine” to others, people may not realize how heavy things have become for you. You often minimize your own pain by comparing yourself to others, convincing yourself that you should just be grateful because “others have it worse.” As a result, prioritizing your emotional well-being can feel selfish or undeserved. If this describes you, and you are ready to stop overthinking, you are no longer willing to put your own needs on the backburner, you are ready to silence the inner critic, work on your personal and/or professional relationships, and you want to stop just going through the motions, we should talk. I have the credentials that every other therapist has earned, representing the commitment of a competent practitioner. However, its important to note that my caring coupled with my competence makes me who I am. I am a person of faith, wife (retired military veteran) mother, grandmother, and dog mom. I've navigated many seasons of life overcoming grief and loss, divorce, careers, the sandwich generation (caring for aging parents and small children), financial challenges, and blending a family. All the makings for stress, anxiety, and depression. During these and other dark seasons, it was the professional help holding my hand through the darkness until I could see the light again. Let's walk together to the light.
Available

New to Grow

$160/session

Specialties

Anxiety
Postpartum
Trauma and PTSD
+8
I'm an LPC (TN), and LMHC (FL) with over 20 years of experience in helping individuals navigate trauma, anxiety, phobias, life transitions, perinatal experiences, and performance-related pressure and stress (including athletes and high achievers). My approach is warm, collaborative, and grounded in the belief that meaningful healing, emotional shifts, and lasting change can happen more gently, and often more quickly, than people expect. My intention is to help people move beyond symptom relief and toward greater clarity, connection, and a more fulfilling way of living.
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.