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 196 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: 11/11/2025

Patricia Bishop

LCSW, 20 years of experience

Frequently rebooked

$120/session

Warm
Authentic
Solution oriented

Specialties

Grief
Life Transitions
Military/Veterans
+1
Hello! I'm Patricia. Thank you for visiting my profile. Grief enters our lives uninvited and its impact can continue to effect us for years. It may have been the death of a loved one, either recent or long ago. It may have been a divorce or the break up of a romantic relationship. It may have been the loss of a treasured pet, or any of the more than forty other losses that a person can encounter in a lifetime. Regardless of the cause of your broken heart, you know that life is not as happy or fulfilling as you want it to be. Often, well-meaning people say to "be strong" or "just give it time" which can leave us feeling like we are doing something wrong or should feel differently. Sometimes, we simply tuck our feelings away, hoping that they will eventually disappear. In our sessions, we will uncover the misinformation and beliefs that keep us stuck and unhappy. Unresolved grief stems from the things we wish we'd said or done differently, better or more. You will learn how to discover and communicate those unsaid things, so that they no longer limit you or affect your capacity for happiness.
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Amy Peeler

LCSW, 20 years of experience

$110/session

Open-minded
Warm

Specialties

Anxiety
Depression
Trauma and PTSD
+6
My name is Amy Peeler and I have been a Licensed Clinical Social Worker for over 15 years. I enjoy working with patients to reach their goals in therapy. Sometimes in life you feel as if you are wading in the ocean waters and then you get toppled over by a wave. I want to be able to help you get back up and learn to ride that wave.
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Lea Hunter

LPC/MHSP, 25 years of experience

Frequently rebooked

$120/session

Warm
Authentic
Open-minded

Specialties

Coping Skills
Grief
Life Transitions
+10
I am a Licensed Mental Health Clinician (Professional Counselor) in Florida, Georgia, and Tennessee. I have been practicing for more than 20 years using an integrated style of theories in counseling (CBT, Mindfulness, Trauma Focused, Solution Focused, Narrative, and Family Systems Theory). I believe the intervention should match the client verses "one size fits all." I provide a safe nonjudgemental space for clients to be their authentic selves.
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Darla Nave

LMFT, 10 years of experience

$120/session

Warm
Direct
Open-minded

Specialties

Anxiety
Depression
Older Adults
+1
Accepting new clients. Yes, life can feel overwhelming—whether you're dealing with anxiety, depression, relationship struggles, or just feeling stuck. If you're looking for support, you're not alone. I provide a warm, judgment-free, and safe space where you can explore your thoughts and feelings, and I will assist you in developing healthy coping strategies and tools to move forward. Together, we’ll work toward greater clarity, self-compassion, and a life that feels more aligned with who you are. I work with adults and couples, utilizing CBT and Family Systems to support meaningful and lasting change. My approach combines empathy, structure, and practical tools to help you understand patterns, strengthen relationships, and move forward with clarity. If you're feeling stuck or ready for change, I'm here to support you with compassion and practical tools. I’m currently accepting new clients and offer telehealth, as well as evening and weekend sessions to fit your schedule. Reach out when you’re ready—I’d be honored to support you on your path forward.
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Victoria Cruse Motter

LPC/MHSP, 28 years of experience

$90/session

Authentic
Intelligent
Warm

Specialties

Anxiety
Coping Skills
Depression
+7
I am Victoria Cruse Motter, a Licensed Professional Counselor (LPC) with over 25 years of experience working with children, adolescents, and adults facing a wide range of issues, including family conflicts, anxiety, depression, ADHD, low self-esteem, sexual abuse, substance use, chronic stress, trauma and PTSD, and women’s issues. My background includes providing counseling in various settings, such as schools, autism centers, pre-schools, juvenile justice programs, and residential group homes for youth in CYS custody. I earned my Master's Degree in Counseling from Pennsylvania State University. I pride myself on being a personable counselor who easily establishes rapport with clients. I focus on being person-centered, actively listening, and genuinely caring about each individual’s journey. I encourage honesty and patience throughout the counseling process. I am excited to begin your journey toward healing and the therapeutic process of counseling. Together, we will create a personalized treatment plan to help you navigate the tough issues in your life with grace.
Virtual
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Shamicka Cannon

LCSW, 8 years of experience

$150/session

Authentic
Solution oriented
Warm

Specialties

Anxiety
Bipolar Disorder
Depression
+10
Hello, my name is Shamicka Cannon, LCSW, and I am passionate about walking alongside individuals and families as they navigate life’s challenges. My goal as a therapist is to provide a safe, supportive, and nonjudgmental space where you feel seen, heard, and empowered to create meaningful change. I believe healing and growth happen when we learn to understand ourselves, challenge unhelpful patterns, and embrace healthier ways of living. I work with children, adolescents, and adults who are experiencing challenges such as: Anxiety, depression, and trauma Behavioral difficulties and emotional regulation struggles in children and teens Life transitions, stress, and relationship challenges Grief, loss, and unresolved pain from the past Individuals seeking personal growth, healing, and stronger coping skills Whether it’s a young person learning to manage emotions, an adult working through stress and trauma, or a family striving for stronger communication, I tailor my approach to meet each client where they are. Through our work together, my clients gain: Clarity and self-awareness about their thoughts, emotions, and behaviors Practical tools and coping strategies to manage stress, anxiety, and difficult emotions Healing and resilience in the face of past trauma or current challenges Improved relationships through healthier communication and boundaries Confidence and empowerment to live in alignment with their values and goals Ultimately, my mission is to help clients feel more in control of their lives, more hopeful about their future, and more connected to themselves and others.
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Nathan Macolly

LCSW, 21 years of experience

$150/session

Holistic
Authentic
Solution oriented

Specialties

Addiction
Anxiety
Depression
+3
Welcome! With a Master’s in Social Work from the University of TN Knoxville in 2004, I've practiced therapy extensively with diverse populations. My empathetic, compassionate style blends coaching, accountability, and passion, meeting clients where they are. I embrace a holistic approach to wellness, focusing on mental, physical, and spiritual health (Whole Self Wellness), specializing in a Faith-Based (Christian) perspective. Neurodivergent friendly. Please read full description before booking. Grateful for your consideration!
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Norman Shaffer

LCSW, 11 years of experience

$90/session

Solution oriented
Intelligent
Direct

Specialties

Addiction
Coping Skills
Military/Veterans
Greetings, My name is Norman Shaffer and I am a Licensed Clinical Social Worker in the state of Tennessee. I have been practicing as a social worker for over a decade now. I enjoy working with adults who are actively seeking a positive change in their life. I like to partner with clients and guide them towards better outcomes and a healthier balance in life.
Virtual
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Natascha Allen-Halvorson

LPC/MHSP, 16 years of experience

New to Grow

$110/session

Specialties

Anxiety
Depression
Trauma and PTSD
+9
I am a licensed therapist who provided compassionate, evidence-based care in navigating life's challenges. My approach integrates Cognitive Behavioral Therapy (CBT), Dialectical Behavioral Therapy (DBT), Trauma-Focused CBT, Motivational Interviewing, and Psychoeducation to help clients build insight, develop coping skills, and foster lasting emotional growth. I strive to create a supportive and collaborative space where clients feel understood, empowered, and confident in their ability to create meaningful change.
Virtual
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Alexandra Theis

LPC/MHSP, 10 years of experience

$130/session

Authentic
Warm
Direct

Specialties

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

LPC/MHSP, 26 years of experience

Frequently rebooked

$125/session

Authentic
Intelligent
Solution oriented

Specialties

Crisis Intervention
Men's Issues
Sex Addiction
+1
Greetings: I'm a Licensed Mental Health Counselor in Florida. I am also licensed in Tennessee, my home state. I received my Doctorate in Counseling from the University of Memphis. I have been in practice for 20 years. Currently, I work with adult males with men's issues. The pressure of employment and maintaining healthy relationships impact men in unique ways. I work to help you become happier with your life choices.
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Denise Walker

LPC/MHSP, 20 years of experience

$75/session

Authentic
Warm
Humorous

Specialties

ADHD
Anxiety
Chronic Illness
+4
Therapy is a work of my heart. I have over 20 years of experience as a therapist and consider it a privilege for individuals to share their stories, often including their pain as well. I value individuals who take the courageous step of coming to therapy for the first time or starting anew with me. I am curious by nature and provide space for people to share their stories; I may also ask questions to delve a little deeper. I value humor in the healing process. When it's appropriate, I may say something to lighten the mood, as therapy can be difficult at times. My faith shapes my life and gives me hope, and I hold hope for every person I meet as I believe they are valuable, resilient, and capable of change.
Virtual
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Samantha Steel

LCSW, 8 years of experience

$100/session

Direct
Solution oriented
Authentic

Specialties

Depression
Military/Veterans
Trauma and PTSD
First of all I’m a veteran and retired from the US Army. I have been a therapist for 8 years and have experience working with multiple modalities and almost all diagnoses at some point. I am also a Reiki and do holistic healing. I want to help others whether it’s building self confidence or dealing with trauma nothing is too small or too big to be treated.
Virtual
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Terri Ponder

LCSW, 25 years of experience

$100/session

Intelligent
Challenging

Specialties

Grief
Mood Disorders
Trauma and PTSD
+5
Hello. I am a creative clinical social worker in practice since 2001 licensed in Tennessee and South Carolina. I have provided behavioral health services in a variety of settings including inpatient, outpatient, partial program, and health care settings as well as a previous private practice and a medical school. I provide services to adult and geriatric clients only. I am trained in DBT, EMDR, MI, CBT, DBT, TF-CBT, WET, addictions, IFS, grief and loss, and body centered, somatic therapy interventions. If you have had difficulties due to trauma, addiction, anxiety, mood disorders, grief and loss, and/or chronic health problems you are welcome in my practice. It is a safe space where you can find help, healing, and hope.
Virtual
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Kelly Matthes

LCSW, 10 years of experience

$100/session

Warm
Solution oriented
Empowering

Specialties

Anxiety
Chronic Illness
Insomnia/Sleep Issues
+3
As a Licensed Clinical Social Worker (LCSW), I specialize in helping individuals identify their strengths, set meaningful goals, and move forward with greater clarity and purpose. Since becoming licensed in 2004, I’ve worked with clients across a wide range of life stages and challenges, using a goal-oriented, strengths-based approach rooted in evidence-based practices. My clinical focus is on empowering clients to overcome barriers, build resilience, and make intentional changes that support long-term growth. Whether you’re navigating a life transition, managing stress, or feeling stuck, I provide a supportive and structured space where we can work collaboratively to identify what’s not working—and develop practical, sustainable strategies to help you thrive.
Virtual
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David Neal

LCSW, 15 years of experience

New to Grow

$90/session

Specialties

ADHD
Anger Management
Bipolar Disorder
I'm a LCSW who believes in meeting clients where they are, establishing a therapeutic alliance and working as a guide to help them modify unhealthy behaviors that interfere with their life goals. This includes processing trauma, teaching coping skills and problem solving. My experience includes working with children at risk of being removed from their home, integrated care in a medical setting, crisis care, residential care and intensive outpatient. Most recently, seeing clients through telehealth and addressing problems in living.
Virtual
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Myra Johnson

LCSW, 28 years of experience

$150/session

Intelligent
Authentic
Warm

Specialties

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

LPC/MHSP, 4 years of experience

New to Grow

$130/session

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.
Virtual
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Chestina J

LCSW, 6 years of experience

New to Grow

$100/session

Specialties

Anxiety
Health/Medical Issues
Life Transitions
+8
I'm a licensed clinical social worker. Since becoming a licensed clinical social worker in 2019, l've dedicated my career to the healthcare field, where I've witnessed firsthand the profound connection between mental and physical health. Over the years, l've supported individuals navigating complex medical challenges, and it became undeniably clear that emotional well-being is not separate from physical healing-it's central to it. My work bridges that crucial gap, advocating for holistic approaches that honor the whole person: mind and body alike:
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Rachelle Thomas

LMFT, 14 years of experience

Frequently rebooked

$150/session

Warm
Authentic
Solution oriented

Specialties

ADHD
Anxiety
Trauma and PTSD
Being a Licensed Marriage and Family Therapist . I have been fortunate to work with individuals, children and families for over the past 14 years. I have had the advantage of working in a field that brings me fulfillment as I get the opportunity to help others work through life's challenges. It is a true honor for someone to allow me into their life. I am so thankful I can work with them to navigate their healing journey.
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Porshure Richardson

LCSW, 5 years of experience

$50/session

Warm
Empowering

Specialties

Anxiety
Bipolar Disorder
Depression
+3
I am a Licensed Clinical Social Worker and I have a Bachelor's and Master's in Social Work. I enjoy speaking with clients that are managing physical and behavioral health issues in a telehealth setting. I have been in the field of Social Work since 2003. I have worked with children, youth, and adults in clinics, schools, hospital settings, and in home.
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Jill Sebaugh

LCSW, 30 years of experience

$150/session

Warm
Solution oriented
Open-minded

Specialties

Older Adults
Parenting
Women's Issues
+5
My goal is to help my clients uncover their innate resiliency that will help them meet the life challenges before them. I will help my clients reach the unique goals that contribute to mental wellness. Areas of Focus: Life Transitions including Aging & Seniors Relationships including Parenting Clients & Families Impacted by Cancer Grief & Loss Financial Stress and Anxiety Depression Women's issues Jill Sebaugh is a Licensed Clinical Social Worker in Georgia with over 25 years of experience in the mental health field. Her areas of focus include anxiety and depression, stress management, parenting, grief and loss, financial stress and anxiety, relationship issues, and life transitions including aging. In addition to her work with adults, parents, and families, Jill enjoys working with seniors and clients and families impacted by cancer. Jill has served as a parent educator for a large multi-county community service board, as a school counselor for alternative middle and high school students, and as the first domiciliary pediatric oncology social worker at St. Jude Children’s Research Hospital in Memphis, TN. Jill has been a presenter at multiple national and international conferences discussing her use of Narrative Therapy through the medium of scrapbooking with families of pediatric oncology patients. Jill’s research on this same subject matter is published in the Journal of Psychosocial Oncology. Jill is a Certified Financial Social Worker (CFSW) and has also been credentialed as a Board Certified-TeleMental Health provider (BC-TMHP) since 2018.
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Sheri Dye

LPC/MHSP, 14 years of experience

$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.
Virtual
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Keeayla Jones

LCSW, 4 years of experience

$100/session

Humorous
Authentic
Warm

Specialties

Anxiety
Life Transitions
Self Esteem
+4
I’m someone who understands how overwhelming it can feel to be caught in life’s in-between space, whether it’s the end of a relationship, the shift in a friendship, or the uncertainty of what comes after graduation. I work with adults who are often relied upon by others but sometimes struggle to support themselves. As a therapist and thought partner, I bring warmth, honesty, and curiosity into our work. I believe therapy is a place where you can take off the mask, slow down, and reconnect with who you are outside of expectations and pressure. My role is to walk alongside you as you process the past, make sense of where you are now, and move forward with greater clarity and confidence.
Virtual
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Cynthia Cochran

LCSW, 20 years of experience

Frequently rebooked

$100/session

Warm
Solution oriented
Authentic

Specialties

Anxiety
Coping Skills
Depression
+10
Hi! I'm a Licensed Clinical Social Worker (LCSW) based in Florida. I am licensed in several states including Florida, Kansas, Colorado, Missouri, Arkansas and Tennessee. I received my Masters from the University of Kansas and have been practicing for 20 years. I have experience in helping clients with stress and anxiety, relationship issues, motivation, self esteem and confidence, & depression. I believe that you are the expert of your story and that you have many strengths that will assist you in overcoming things that challenge you. I am here to be a support and guide to help you feel better and move forward in your journey.
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Frequently asked questions

Why filter by Tennessee rather than a city like Nashville?

When looking for online therapy, you can see anyone that is credentialed in the state. We want you to find the best fit, therefore, Grow Therapy shows available therapists across Tennessee from Memphis to Knoxville! If you’d rather see someone in-person, you can change the filter from virtual and find a therapist near you in Tennessee.

Will my therapist take insurance?

When booking you’ll be asked to verify with your Member ID. However, if you don’t have any of the insurances available you can select cash. Our therapists will have their cost of appointment on their profile. Individual session costs will vary.

How does the Specialty Filter work? Can I find a therapist that focuses on a specific issue?

The specialty filter is optional. You don’t need to check any boxes to see a provider. However, fit is very important when selecting an online therapist. If you have knowledge or experience to recognize what specialties you may need.

What are the "Clients say I'm" badges?

Grow Therapy asks patients about their experience with therapists after they have had a certain number of sessions. After enough responses, we add those characteristics to their profiles to help you find the best online therapists for you. We're still working on collecting this information from all our therapists.

Why use Gender, Age, and Identities filters?

Finding a provider with a similar life experience can be beneficial because it can be easier to establish rapport and potentially be understood quicker and clearer.

What to expect during your first session?

Your first therapy session is for you and your therapist to meet each other and to ask any questions that you have about the counseling process. This is where you can expect your therapist to do the same as they will ask questions to gain insight into your specific situation. In this first session the therapist is doing their part to gather as much information so they can better assess if they are able to meet your therapeutic needs.

Depending upon your provider's specialty, you may also discuss the methods the therapist will use. For additional information on therapy methods, please visit the Grow Therapy Help Center. Some people feel nervous before their first appointment, and that is totally normal! Coming prepared with a list of questions for your therapist may help. Remember, you're taking a brave step by seeking therapy, and it is okay to be nervous as you try something new.