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 247 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: 9/8/2026

$85/session

Warm
Authentic
Direct
Specialties
Addiction
Anxiety
Depression
+9
I am a Licensed Professional Counselor in SC, PA, TN, and NC. I specialize in helping clients and family members with addiction issues, Obsessive Compulsive Disorder, and PTSD. I also assist clients experiencing anxiety, depression, grief and loss, and can provide relationship and couples counseling as well. I have been practicing for over 10 years and have an empathetic and passionate approach. I love working with all ages however age 10 and above appears to work well for online therapy.
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

$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

$95/session

Empowering
Warm
Direct
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

$120/session

Warm
Authentic
Solution oriented
Specialties
Anxiety
Depression
Women's Issues
+8
I am a licensed therapist with 30+ years of experience working with adults and couples navigating life challenges, relationship concerns, and personal growth. I believe therapy is most helpful when people feel respected, understood, and supported in exploring both difficulties and strengths. My goal is to provide a thoughtful, collaborative space where clients can gain insight, develop practical tools, and move toward meaningful and lasting change.
VirtualAvailable

$130/session

Warm
Authentic
Empowering
Specialties
Anxiety
Eating Disorders
Trauma and PTSD
+5
It takes courage to reach out for help. I am passionate about partnering and walking alongside others in some of their most difficult moments to help them reach a sense of hope and healing. I believe we are designed to heal. My greatest priority is creating an atmosphere of safety where my clients can feel seen, heard, and understood. There may have been places in your story where you learned tools to help you survive and those tools are no longer helpful but actually keeping you from living from a place of wholeness.
VirtualAvailable

$120/session

Authentic
Humorous
Warm
Specialties
Autism
Child or Adolescent
Trauma and PTSD
+8
Hi. I’m Lynette Horton. I am a licensed professional counselor with a mental health service provider qualification in TN. Asking for help can feel scary at times and I applaud you for taking the first step in making a life worth living. I provide a safe calm place for you to come and talk about areas that may be causing issues in your life for right now.
VirtualAvailable

$100/session

Direct
Open-minded
Warm
Specialties
Anxiety
Bipolar Disorder
Depression
+10
Thank you for taking time to read my profile. Making the decision to start therapy takes courage and a desire to heal from past experiences or learn how to cope with mental health symptoms. I am a licensed clinical social worker which means I believe it is important to treat the whole person while treating for example, anxiety or depressive symptoms. Together we will process issues and form coping skills or plans to move forward. I am comfortable and effective working with people from diverse backgrounds and all walks of life. I have two adult children, owned restaurants for 16 years, and experience taking care of aging parents. My education and life experience directly contributes to my ability to work with clients from all ages, race, LGBTQIA, religious background, or mental health condition.
Available

$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

$100/session

Warm
Empowering
Authentic
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

$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

$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

$120/session

Specialties
Anxiety
Grief
Trauma and PTSD
+9
I understand how early relationships shape the way we see ourselves and others. As someone who was adopted at birth and grew up navigating change and complex family dynamics, I developed a deep respect for each person’s story and how attachment wounds are formed and healed. In our work together, we create a space that feels safe, collaborative, and grounded in compassion. We move at a pace that honors your story while gently working toward meaningful change. I believe healing happens when we feel seen, understood, and supported — not rushed or judged.
VirtualAvailable

$150/session

Warm
Authentic
Empowering
Specialties
Anxiety
Perinatal Mental Health
Trauma and PTSD
+6
Hi, I’m Amy. I live in Missouri with my husband, our sweet dog, and two very sassy cats who 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 supporting individuals and families through life’s many 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 from the University of Maine. For more than 20 years, I’ve been walking alongside people as they navigate anxiety, trauma, infertility, grief, and the everyday pressures of life. What I love most about this work is creating a safe, supportive space where people can feel heard, understood, and empowered to reconnect with themselves. At the heart of my approach is the belief that healing is possible—and that resilience can grow even in the most difficult circumstances. Whether we’re working through painful past experiences or exploring new ways to cope with stress, my goal is to help you find hope, balance, and a deeper sense of self. If you’d like to know more about me and the work I do, you can visit: https://kerstenlcsw.com/
VirtualAvailable

$150/session

Direct
Warm
Specialties
Addiction
Mood Disorders
Trauma and PTSD
+10
I am a licensed Marriage and Family Therapist with over 15 years of clinical experience, and work with individuals, couples and families. My background includes extensive work in residential treatment settings, supporting individuals with both substance use disorders and a wide range of mental health concerns. For the past seven years, I have been in private practice, where I provide individualized, depth-oriented therapy. My clinical training includes EMDR, somatic-focused approaches, and Dialectical Behavior Therapy. I work from an attachment-based perspective and believe that healing occurs within the safety of a strong therapeutic relationship. Relationship, attunement, and emotional safety are foundational to my work, and coping skills and practical guidance are offered within the context of connection and collaboration.
VirtualAvailable

$120/session

Authentic
Empowering
Specialties
Life Transitions
Trauma and PTSD
Women's Issues
+6
I’m a Licensed Mental Health Counselor who works with women ages 18 and older through individual therapy. I strive to create a supportive, compassionate, and judgment-free space where you can feel heard, understood, and empowered as you navigate life’s challenges, transitions, and personal growth. My goal is to meet you where you are, help you better understand yourself and your experiences, and develop tools to navigate challenges while moving forward with greater clarity, balance, self-compassion, and confidence.
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

$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

$100/session

Warm
Authentic
Intelligent
Specialties
Anxiety
Trauma and PTSD
Women's Issues
+13
Do you find yourself overwhelmed with the competing priorities of daily life? Stuck in unhealthy patterns such as overuse of alcohol, procrastination, or emotional eating? Are your days spent battling perfectionism and negative self-talk? Would you like to be more active socially but struggle with anxiety or feelings of low self-worth? Hi. I’m Kay. Congratulations on taking the first step toward living your best life! I am a Licensed Clinical Social Worker in the state of Tennessee with 17 years of experience providing psychotherapy, assessment, and referral services to adults, children, and families. Additionally, I am a certified Neuropsychotherapist, specializing in the integration of neuroscience into transformative therapy. Common areas of practice include anxiety and depression management, women's issues, support with the management of chronic health conditions, minority stress, trauma, relationship difficulties, and grief/loss. It takes courage to choose a path of self-discovery and healing. But you don’t have to walk this path alone. Whether you are seeking assistance with managing an ongoing mental health issue, or are seeking solution-focused therapy to deal with a specific problem, I'm here to help
VirtualAvailable

New to Grow

$200/session

Specialties
Anxiety
Depression
Trauma and PTSD
+10
As a psychotherapist with a wealth of experience working with individuals in diverse environments, I’m deeply committed to assisting clients in overcoming life’s challenges, such as stress, anxiety, and relationship difficulties. My expertise lies in supporting those dealing with anxiety-related disorders, OCD, self-harm, and body-focused repetitive behaviors like skin picking and hair pulling. I employ a range of evidence-based therapy models, carefully customized to address the unique needs of each client.
Available

$100/session

Intelligent
Warm
Authentic
Specialties
Anxiety
Depression
Substance Misuse
+9
I am a clinical social worker with more than 15 years of experience in the mental health field. Throughout my career, I’ve had the privilege of supporting a wide range of individuals—including adolescents, teens, and older adults—through some of life’s most challenging moments. I’m especially passionate about helping people navigate transitions. Whether you’re facing a major life change, feeling stuck, or working through a difficult season, my goal is to help you see beyond the hardship and reconnect with your strengths, resilience, and sense of possibility. In our work together, we’ll focus on building the skills and tools that help you move from the negative toward a more grounded, hopeful, and empowered place. I look forward to walking alongside you as you take those steps forward.
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

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

$125/session

Authentic
Warm
Empowering
Specialties
Trauma and PTSD
Women's Issues
Hello! I am Licensed Marriage and Family Therapist. I got my undergraduate degree at Carson-Newman University in Psychology and my Masters Degree from Capella University. I have been practicing for over 10 years. I work with adolescents, young adults, and adults through the lifespan. I enjoy being able to walk alongside people so they can become the best version of themselves, learn how to heal previous trauma, and develop healthy coping skills.
VirtualAvailable

$150/session

Warm
Authentic
Empowering
Specialties
Anxiety
Couples Counseling
Life Transitions
+4
You look like you’re holding it together, but inside you feel overwhelmed, anxious, or disconnected. I help individuals and couples manage anxiety, burnout, relationship stress, and life transitions so they can feel calmer, more connected, more in control, and more like themselves. Over 130 clients have rated their experience working with me 4.9/5. My approach is supportive, practical, and focused on helping you create real change—not just talk about problems in a way that feels meaningful.
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.