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 254 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: 10/23/2026

$110/session

Warm
Authentic
Solution oriented
Specialties
Anxiety
Obsessive-Compulsive (OCD)
Trauma and PTSD
+9
If your mind won’t slow down, you’re constantly overthinking, or you feel stuck in the same exhausting patterns; you’re not alone. Anxiety and depression can show up in ways that are hard to explain but very real to live with. In therapy, we focus on understanding what’s going on beneath the surface and building tools that help you feel more grounded and in control in everyday life, not just during sessions. Hi, I’m Ivorie, an LCSW in Tennessee with 8 years of experience providing therapy in schools and private practice. I’ve worked with kids, teens, and adults navigating anxiety, OCD, stress, and overwhelming life transitions. My school-based background shaped my practical, down to earth approach: meeting people where they are, breaking things down clearly, and helping them apply what we discuss outside of session. My style is warm, supportive, and honest. I strive to create a space where you feel safe, understood, and comfortable showing up as you are. Together, we’ll explore what’s beneath the surface, connect the dots, and find approaches that work for your real life.
Available

$125/session

Authentic
Solution oriented
Warm
Specialties
ADHD
Anxiety
Trauma and PTSD
As a therapist, I understand that seeking help can be a difficult and courageous decision; but it is also the first step towards change and growth. With a compassionate and collaborative approach, I am committed to helping my clients navigate through their challenges and reach their full potential. Whether you are struggling with anxiety, depression ,or any other mental health issue, I am here to provide a safe and supportive space for you to heal and thrive.
VirtualAvailable

$155/session

Warm
Empowering
Intelligent
Specialties
Couples Counseling
Peer Relationships
Trauma and PTSD
+10
Hi! I am a Licensed Marriage and Family Therapist in Tennessee. I received by degree from Liberty University and have been practicing for 5 years. I help individuals, couples, and families who are feeling stuck in life or in relationships discern the root issues and walk toward healing together. My goal is to help each person feel more fulfilled in all areas of their life.
VirtualAvailable

$120/session

Authentic
Humorous
Warm
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

New to Grow

$130/session

Specialties
Life Transitions
Obsessive-Compulsive (OCD)
Trauma and PTSD
+7
Hi, I'm Audrie! I am a Licensed Clinical Social Worker who has been in the mental health field for 7 years. I enjoy working with individuals who are on a journey of self-discovery and change. Maybe you know where you want to go or maybe you just know that you are tired of standing still, either way I would love to support you as you navigate what comes next.
Available

$120/session

Warm
Solution oriented
Authentic
Specialties
Anxiety
Depression
Women's Issues
+7
I am a licensed therapist with 30+ years of experience working with adults and couples navigating life challenges, relationship concerns, and personal growth. I believe therapy is most helpful when people feel respected, understood, and supported in exploring both difficulties and strengths. My goal is to provide a thoughtful, collaborative space where clients can gain insight, develop practical tools, and move toward meaningful and lasting change.
VirtualAvailable

$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

$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

$65/session

Authentic
Warm
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

$150/session

Warm
Open-minded
Authentic
Specialties
ADHD
Anxiety
Depression
+9
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

$105/session

Authentic
Solution oriented
Empowering
Specialties
Anxiety
Life Transitions
Spirituality
+5
Hi, I'm Kelcie, and I've been a licensed professional counselor in Tennessee since 2022. I believe that relationships are the cornerstone of our lives and shape how we experience joy, pain, growth, and healing. In our world of ever increasing technology, many of us are digitally connected but feel overstimulated, over-informed, and disconnected in our personal lives. I am passionate about helping my clients experience peace and have meaningful, healthy connections in their real lives.
VirtualAvailable

New to Grow

$175/session

Specialties
ADHD
Anxiety
Autism
+7
I’m a Licensed Clinical Social Worker with a doctorate in social work, but those credentials only tell you part of who I am. I’m direct, curious, compassionate, and neurodivergent. I have ADHD, which means I understand firsthand that the way someone’s brain works doesn’t always fit the expectations placed on them. I also know that understanding yourself and figuring out what actually works for you aren’t necessarily the same thing. My approach to therapy is conversational, collaborative, and sometimes unconventional. I ask questions, appreciate humor, and believe there’s room for both compassion and accountability. I won’t shame you for struggling, but I also won’t pretend that meaningful change happens without effort. I’ve worked with children, adolescents, adults, couples, and veterans, and I draw from a variety of therapeutic approaches rather than expecting everyone to fit into one particular method. I believe therapy works best when we can both be genuine. You don’t have to agree with everything I say, and I don’t expect you to have everything figured out when you walk through the door.
Available

$130/session

Authentic
Warm
Empowering
Specialties
Anxiety
Depression
Trauma and PTSD
+10
You’re used to handling a lot. Whether it’s your career, your relationships, or being the person others rely on, you’ve learned how to push through—even when it’s exhausting. But at some point, pushing through stops working. I work with adults who are navigating anxiety, burnout, trauma, and relationship patterns—especially when life looks “together” on the outside but feels overwhelming or unsustainable underneath. Many of my clients are thoughtful, capable, and self-aware, yet find themselves stuck in cycles like overthinking, people-pleasing, or feeling disconnected from themselves or others. My approach is trauma-informed, relational, and grounded in evidence-based practices, including Cognitive Behavioral Therapy, Dialectical Behavior Therapy, and attachment-based work. In our sessions, we’ll look at both the deeper patterns shaping your experiences and the practical strategies that help you feel better day-to-day. Clients often come to therapy wanting relief from constant stress or mental overload. Over time, they develop a clearer understanding of themselves, stronger boundaries, and the ability to respond to challenges with more focus and confidence. I’m active and engaged in the therapy process. I won’t just sit back and listen. I help you connect the dots, notice patterns in real time, and build tools that actually translate into your daily life. I bring 5 years of experience in community mental health, working with children, adolescents, and adults. Clients often describe me as calm, steady, and easy to talk to—while also helping them move forward in meaningful ways.
VirtualAvailable

$180/session

Authentic
Empowering
Open-minded
Specialties
Attachment Issues
Sexual Abuse
Trauma and PTSD
Hello! I’m a Licensed Marriage and Family Therapist with over 15 years of experience, and I consider it one of my greatest privileges to walk alongside clients as they navigate their journey toward healing, growth, and greater self-understanding. I believe deeply in the power of hope—especially during seasons of life when hope can feel difficult to find or hold onto. My goal is to create a warm, welcoming therapeutic space where you feel truly seen, heard, and respected. I believe meaningful change begins with a strong therapeutic relationship built on trust, compassion, and collaboration. Together, we’ll work toward understanding your experiences, navigating life’s challenges, and creating healthier, more connected relationships—with yourself and with others.
Available

$120/session

Warm
Authentic
Empowering
Specialties
Anxiety
Coping Skills
Trauma and PTSD
+8
Dr. Lisa Stillion, is currently in private practice in Tennessee. She holds a Master of Social Work degree, Doctorate of Social Work (DSW) as well as an advanced specialty certification in Eye Movement Desensitization and Reprocessing (EMDR). She has 20 years of experience working in the public and private sectors with children and families experiencing attachment issues, trauma, depression, anxiety, bipolar disorder, ADHD, and ODD. Individual Therapy for Sustainable Healing. Individual therapy is a joint process between a therapist and client that allows the person to work through their mental health struggles in a calm, safe, and confidential setting. Also known as individual psychotherapy, this kind of treatment is a unique opportunity to work one-on-one with a therapist to develop healthy coping skills for the long term. The beauty of individual therapy is the opportunity for flexibility, as treatment plans can be easily structured around your needs and background.
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

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

$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

$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

Direct
Intelligent
Solution oriented
Specialties
ADHD
Anxiety
Autism
+10
Reaching out for therapy takes courage, and my goal is to make the process feel approachable from the very first session. I'm a Licensed Professional Counselor with more than 14 years of experience helping adults and adolescents navigate ADHD, autism, anxiety, depression, trauma, relationship challenges, and major life transitions. I believe therapy works best when it feels like a genuine conversation built on trust, curiosity, and collaboration. Rather than simply listening or giving advice, I work alongside clients to better understand what's keeping them stuck while developing practical strategies that fit their lives. My approach integrates evidence-based therapies with compassion, humor when appropriate, and a focus on long-term growth.
Available

$95/session

Authentic
Warm
Solution oriented
Specialties
Anxiety
Grief
Obsessive-Compulsive (OCD)
+9
I am a licensed professional counselor in the state of Tennessee who has been providing individual counseling for approximately four years. I had a background in social work prior to becoming a therapist, so I have always had a passion for helping people. I help people who are eager for change and growth but may be overwhelmed by challenging emotions or experiences that keep them stuck in seemingly endless cycles. As a therapist, I hope to cultivate a relationship that facilitates change, wholeness, and health wherever you are in your journey. I want to create a space where you feel free to bring your whole self: body, mind, and spirit. I look forward to walking alongside of you as you take your first steps toward deeper levels of health and wholeness.
VirtualAvailable

Often rebooked

$120/session

Warm
Authentic
Open-minded
Specialties
Anxiety
LGBTQ
Trauma and PTSD
+5
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

$150/session

Holistic
Authentic
Solution oriented
Specialties
Addiction
Anxiety
Depression
+4
Welcome! I am a Licensed Clinical Social Worker (LCSW), alumni/graduate of the University of Tennessee, Knoxville (2002, 2004). Over the years, I’ve provided therapy and coaching to diverse populations, drawing from my background as a former coach, athlete, and ministry/chaplain to offer a grounded, relational, and purpose-driven approach to care. My style is empathetic, compassionate, and engaging — blending clinical expertise with coaching, accountability, and practical tools to meet clients where they are. I take a holistic approach to wellness, addressing mental, physical, and spiritual health, with a specialization in Faith-Based (Judeo - Christian) integration. Neurodivergent-friendly and committed to creating a respectful, supportive space for growth and healing, including for First Responders, those in Ministry, or dealing with Religious, Spiritual Abuse, and Trauma. Please read the full description before booking. Thank you for your consideration — I look forward to the possibility of working together. כֹּ֣ל הַ֭נְּשָׁמָה תְּהַלֵּ֥ל יָ֗הּ הַֽלְלוּ־יָֽהּ
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

$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
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.