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: 9/29/2026

$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

$115/session

Authentic
Warm
Empowering
Specialties
Anxiety
Mood Disorders
Trauma and PTSD
+5
Hello! My name is Meredith, and I am a Licensed Professional Counselor and Mental Health Services Provider with 12 years of experience working in this field. I believe in a collaborative approach to therapy that rejects rigid, one-size-fits-all treatment plans and completely bypasses cold clinical checklists. Instead, I view us as co-collaborators working side-by-side through the circumstances that led you to the courageous decision to seek therapy. While I take my job incredibly seriously, I also believe there is a time and place for laughter and lightheartedness, just as there is a time to allow ourselves to weep. We are all souls having a unique, human experience. It is profoundly important to me that we show up as authentically ourselves as we can be as we walk this road together.
Available

$130/session

Warm
Authentic
Empowering
Specialties
Anxiety
Coping Skills
Depression
+10
Hi! I am a Licensed Clinical Social Worker in Tennessee (LCSW), Massachusetts (LICSW), Maine (LCSW), and South Carolina (LCSW) with over 20 years of experience guiding individuals through life's challenges. I understand that life's path isn't always straight; transitions, trauma, grief, depression, and relationship struggles are real. I believe in the transformative power of collaboration and growth. With a MA in Social Work from Georgia State University and dual BAs from UMBC, my diverse background equips me to provide tailored therapy and counseling. My compassionate, non-judgmental, honest, and down-to-earth approach creates a safe space where I walk beside you on your journey to healing and growth. NOT CURRENTLY OPEN TO COUPLES.
VirtualAvailable

$80/session

Authentic
Warm
Empowering
Specialties
Addiction / Substance Use
Anger Management
Couples Counseling
+10
My name is Gail Mullen, and I am a graduate of Freed-Hardeman University, where I earned my degree in 2003. I have more than 20 years of experience providing professional counseling services to individuals and families with diverse clinical needs. In addition to my counseling experience, I served for 20 years in the United States Army, an experience that strengthened my ability to establish rapport, build therapeutic alliances, and effectively communicate with individuals from diverse backgrounds. My clinical experience includes providing individual, family, marital, and couples counseling. I have extensive knowledge and experience in working with individuals presenting with a variety of mental health and behavioral health diagnoses. My therapeutic approach is grounded in respect, empathy, professionalism, and a nonjudgmental perspective. I strive to create a safe and supportive therapeutic environment in which clients feel comfortable discussing their concerns and working toward meaningful change. My primary goal as a therapist is to assist clients in identifying and understanding the underlying concerns contributing to their emotional, behavioral, and interpersonal difficulties. I work collaboratively with clients to develop appropriate coping strategies, improve problem-solving and decision-making skills, and strengthen emotional regulation. Ultimately, my goal is to empower clients to develop the skills necessary to manage their challenges effectively and function successfully across the various areas of their daily lives.
Available

New to Grow

$100/session

Specialties
Addiction / Substance Use
Emotional Regulation
Trauma and PTSD
+5
Hi, I’m Samantha. I’m a compassionate, trauma-informed social worker with a background in working with adolescents and families, including experience in residential treatment settings supporting teenage girls and boys who have experienced trauma, difficult life circumstances, and significant emotional and behavioral challenges. My work has taught me the importance of meeting people where they are, looking beyond behaviors, and understanding the experiences that may be underneath them. I believe therapy should feel like a safe place where you can show up exactly as you are—without judgment or pressure to have everything figured out. My approach is warm, genuine, and collaborative. I use approaches such as EMDR, DBT, and psychodynamic therapy to help clients process difficult experiences, understand patterns, develop healthier coping skills, and build a stronger sense of self. Most importantly, I want my clients to know they don’t have to navigate everything alone. My goal is to walk alongside you, provide a space where you feel truly heard and understood, and help you recognize your own strengths while working toward the life you want.
Available

New to Grow

$110/session

Specialties
ADHD
Anxiety
Perinatal / Postpartum
+10
Hi! I'm Laurie, a Licensed Clinical Social Worker specializing in perinatal/postpartum mental health, and adult ADHD. I love helping clients better understand themselves and their symptoms through psychoeducation, strengths-based work, and practical, solution-focused approaches. Acceptance and Commitment Therapy (ACT) is at the heart of my work, with a little DBT and CBT mixed in. I also have experience with general depression, anxiety, trauma, substance use, bipolar disorder, OCD, and disordered eating. The therapy space is sacred, and I will always prioritize your comfort, safety, and autonomy, while also offering a gentle nudge or challenge when it may be helpful. Your session time is yours and I deeply believe that clients are the experts on their own lives. My role is to collaborate with you and offer new perspectives, insight, and practical tools that help you build a life that feels healthier and more aligned with who you are. Outside of therapy, you'll usually find me spending time outside with my kids, reading a good psychological thriller, or soaking up whatever rest time I can get. I'd love to hear your story and be part of your healing journey!
Available

$100/session

Warm
Authentic
Intelligent
Specialties
Anxiety
Depression
Coping Skills
+6
Howdy, and welcome! I am so glad you're here! I'm a licensed therapist in Tennessee, and I provide telehealth therapy services on the evenings and weekends. I use an eclectic approach and often pull from frameworks of EMDR, parts-work, solution-focused, and more to support you as you process, untangle, and move toward where you want to be. I'm looking forward to hearing from you!
VirtualAvailable

$100/session

Warm
Open-minded
Authentic
Specialties
Addiction
Anxiety
Depression
+8
I became a therapist simply because I’ve always wanted to help people. I've seen firsthand the incredible power of connection and how transformative it can be to have a non-judgmental, unbiased person who truly listens to you in therapy. That kind of support creates a space for growth and healing, and it’s something I’m passionate about offering to others. Being able to witness someone’s journey as they feel heard and understood is one of the most rewarding parts of this work. Growing up, I struggled with feeling like I belonged and often felt inadequate. Those experiences made me realize how important it is to have a safe space where you can be heard. I’m truly honored to be by someone’s side as they take strides toward becoming the best version of themselves and improving their lives. Everyone deserves that kind of support, and I’m grateful to offer it. Hi, I’m Kaja Switalska, a Licensed Clinical Social Worker specializing in helping adults, with particular focus on college-aged individuals, manage anxiety, depression, substance abuse, and adjustment issues. I aim to provide a welcoming, judgment-free space where you can feel heard. I often use humor to keep things light while also addressing real challenges. In our first sessions, we’ll get to know your unique needs and develop attainable goals. My approach blends CBT, mindfulness, solution-focused strategies, and motivational interviewing.
VirtualAvailable

$95/session

Warm
Empowering
Authentic
Specialties
Anxiety
Attachment Issues
Burnout
+8
I'm a licensed clinical social worker with over twenty years of experience in this field. I understand how complicated life can get, so let's figure out how to navigate yours together. I help clients face some of life's biggest challenges. My goal is to always provide a safe space for you to feel seen and heard.
Available

$95/session

Warm
Authentic
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

$65/session

Warm
Authentic
Solution oriented
Specialties
Addiction
Anxiety
Depression
+10
I have dedicated more than 30 years of my life to the helping profession of Social Work. I have worked tirelessly to advocate for the poor, elderly, disabled and those struggling with substance use and mental health challenges. I prefer to be in the present, listen to the client and partner with them to come up with a plan to meet their unique set of challenges and opportunities, not just just meet short term goals but make therapy a way to teach long term ways of coping that aid in meeting challenges in the future and not dependent on the therapist but through inner strengths that are fostered in therapy as ways to build up self-esteem, cultural pride and self worth.
VirtualAvailable

$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

$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

$135/session

Intelligent
Authentic
Direct
Specialties
Life Transitions
Peer Relationships
Substance Misuse
+7
As a seasoned professional specializing in trauma-informed care, I recognize the profound impact that life experiences can have on someone’s over well-being. My therapeutic approach integrates evidence-based clinical modalities with a deep respect for each individual’s unique journey. I approach each client with the understanding that no two stories are the same and that therapy must be tailored to honor the individuality of your experiences. I integrate evidence-based practices with respect for each individual’s journey, I support clients through healing the emotional and historical roots of conflict. With expertise in substance use, relationships, and trauma, I support understanding how unresolved pain, unmet needs, and inherited patterns shape daily life and connection.
VirtualAvailable

$155/session

Solution oriented
Authentic
Warm
Specialties
ADHD
Coping Skills
Couples Counseling
+1
Hey! I'm Dr. Andre, a licensed clinical psychologist. I provide therapy for a range of concerns. No matter what you are facing, I strive to understand your situation and help you find relief and clarity. I aim to provide a genuine and trusting relationship and a judgement free atmosphere to explore the concerns you are facing! I completed a BA in Psychology, an MA in Clinical Psychology, and a Ph.D. in Clinical Psychology, a 12 month internship followed by a 12 month post-doctoral fellowship, and multiple state and national board exams.
VirtualAvailable

$75/session

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

$125/session

Authentic
Warm
Solution oriented
Specialties
Anxiety
Coping Skills
Mood Disorders
My name is Stacey Wrightsman! I am a licensed professional counselor (LPC-MHSP) in Tennessee. Reaching out for help is a brave step. Perhaps you are looking to talk to someone but you are unsure about what it is you are wanting from therapy. If that describes how you feel, I want you to know that this is perfectly okay. We can work together to create a list of goals for your therapy experience. I specialize in helping people with concerns about their mood, adjusting to life changes, addiction, and more. Please be advised that I see patients every other week as I also work rotations at a psychiatric hospital.
VirtualAvailable

$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
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

$150/session

Warm
Authentic
Empowering
Specialties
Anxiety
Depression
Life Transitions
+5
I am a licensed therapist dedicated to helping adults navigate life’s challenges with clarity, confidence, and compassion. My goal is to provide a safe, supportive space where clients can explore their thoughts, emotions, and experiences without judgment. I believe everyone has the capacity for growth, healing, and fulfillment, and therapy can be a powerful step toward reaching that potential. I work with women and men who are managing stress, anxiety, perfectionism, or significant life transitions such as parenthood, career shifts, or relationship changes. Many of my clients are striving to balance multiple roles while also wanting to prioritize their own happiness and well-being. In our work together, I may use different modalities such psychodynamic, cognitive, humanistic, and group therapy to meet each client’s unique needs. We may explore underlying patterns, identify and shift unhelpful thought processes, and build on existing strengths. My role is to support clients in gaining insight, developing effective coping tools, and creating healthier ways of thinking, feeling, and relating. Clients often leave therapy with a deeper sense of self, improved resilience, and the confidence to make meaningful changes. My mission is to empower both women and men to move beyond what holds them back and build lives of balance, purpose, and fulfillment.
VirtualAvailable

$70/session

Warm
Authentic
Open-minded
Specialties
Anxiety
Self Esteem
Trauma and PTSD
+10
I grew up in Florida and earned my undergraduate degree from the University of Central Florida, followed by my graduate degree from Palm Beach Atlantic University. My clinical focus is in crisis and trauma, and I am passionate about supporting individuals from all ages and backgrounds. I strive to help clients navigate and heal from life experiences that have deeply impacted them, fostering resilience, growth, and empowerment throughout the therapeutic process.
VirtualAvailable

$150/session

Authentic
Solution oriented
Direct
Specialties
Addiction
Anxiety
Men's Issues
+3
As a clinical mental health therapist and high-performance coach, I am passionate about helping men navigate the complexities of life. Specializing in identity, anxiety, depression, career challenges, resilience, perfectionism, communication, and conflict, I offer a tailored approach that fits the unique needs of each client. My mission is to help high-performing individuals like you not just survive, but thrive, both personally and professionally.
VirtualAvailable

$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

$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

$115/session

Warm
Authentic
Solution oriented
Specialties
Anxiety
Depression
Trauma and PTSD
+10
Hello, my name is Julie Phillips and I am a Licensed Clinical Social Worker. I believe in supporting each other and one way I can support you is through therapy. Whether you need to process a stressful event or need to vent I am here to support you. I strive to tailor your session to meet your needs. Some sessions may need to be more strictly focused with Cognitive Behavioral Therapy, while other sessions are spent on learning a new coping skill such as mindfulness. Your session is about you and what may help you the most to resolve what issues you may have and to help you find your strength and empower you to keep moving forward. My aim is to make you, the client, feel comfortable in a judgement free zone. I want you to feel like you came to the right place, a warm inviting, calm, and empowering space where you can share what you feel you need to share.
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.