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 201 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: 10/28/2025

Rated 5.0 stars out of 5, 2 ratings

Darla Nave

LMFT, 10 years of experience

$120/session

Warm
Authentic

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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Amy Peeler

LCSW, 20 years of experience

New to Grow

$110/session

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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Rated 4.9 stars out of 5, 48 ratings

Norman Shaffer

LCSW, 11 years of experience

$90/session

Solution oriented
Intelligent
Authentic

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.
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Rated 4.8 stars out of 5, 4 ratings

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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Rated 5.0 stars out of 5, 25 ratings

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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Rated 5.0 stars out of 5, 8 ratings

Jena Fouraker

LCSW, 14 years of experience

Frequently rebooked

$150/session

Open-minded
Warm
Authentic

Specialties

Fertility & Reproduction Issues
Grief
Trauma and PTSD
+7
My personal experiences with significant life changes and medical trauma have fueled my passion for helping others as a Licensed Clinical Social Worker and Certified Grief Counselor. My approach is rooted in empathy and authenticity. I specialize in helping you build a deeper relationship with yourself so you can heal from the past and step into a more authentic life. My commitment is to create a safe space where you can learn to love, honor, and appreciate yourself, even in the midst of your most difficult challenges.
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Rated 5.0 stars out of 5, 83 ratings

Sheila Stoner

LPC/MHSP, 11 years of experience

$125/session

Solution oriented
Warm
Authentic

Specialties

Anger Management
Anxiety
Life Transitions
+10
I am licensed in Tennessee with 10+ years of professional work experience. I have experience in assessing clients with coping with grief and loss, parenting issues, anger management, & coping with life changes. I work with my clients to create an open and safe environment where thoughts and feelings can be shared without fear of judgment. Taking the first step to seeking a more fulfilling and happier life takes courage. I am here to support them in that process.
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Terri Ponder

LCSW, 25 years of experience

New to Grow

$100/session

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.
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Rated 5.0 stars out of 5, 2 ratings

Victoria Cruse Motter

LPC/MHSP, 28 years of experience

$90/session

Warm
Intelligent
Open-minded

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.
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Rated 4.9 stars out of 5, 34 ratings

Morgan Crenshaw

LCSW, 5 years of experience

$125/session

Warm
Empowering
Solution oriented

Specialties

Anxiety
Grief
Trauma and PTSD
+6
I am a Licensed Clinical Social Worker in Tennessee. I have worked with clients with a wide range of concerns including anxiety, stressors/life changes, relationship issues, grief and loss, domestic violence, eating disorders, and those who have experienced physical or emotional abuse or trauma. I have also worked in the field of hospice, terminal illness, and end of life care. My counseling style is warm and interactive. I treat everyone with compassion, respect, and cultural sensitivity. My approach combines cognitive-behavioral, empowerment and strengths based, trauma-based, and rational-emotive counseling. I also implement Eye Movement Desensitization Reprocessing (EMDR) to address trauma when applicable. I will design our sessions and treatment plan to meet your specific and unique needs. It takes courage and strength to seek help and support. This is one of the first steps for change. I am ready to support and empower through this journey to seek a happier and more fulfilling life.
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Rated 4.9 stars out of 5, 30 ratings

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.
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Rated 4.9 stars out of 5, 48 ratings

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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Rated 4.9 stars out of 5, 8 ratings

Denise Walker

LPC/MHSP, 20 years of experience

$75/session

Authentic
Humorous
Warm

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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Rated 4.9 stars out of 5, 212 ratings

Nathan Macolly

LCSW, 20 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 affirming. Grateful for your consideration!
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Rated 5.0 stars out of 5, 30 ratings

Sarah Long

LCSW, 18 years of experience

Frequently rebooked

$125/session

Warm
Authentic
Solution oriented

Specialties

Child or Adolescent
Perinatal Mental Health
Trauma and PTSD
+6
I'm a clinical social worker, and I finished my Masters of Science in Social Work in 2008 at the University of Tennessee. What this means is that I am trained to provide therapy services to people struggling with lots of different issues. It also means that I hold closely in mind what experiences people have had in their lives that come up for them and how their environments affect them as well.
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Rated 5.0 stars out of 5, 20 ratings

Lee Owen

LCSW, 5 years of experience

$120/session

Authentic
Open-minded
Direct

Specialties

Anxiety
LGBTQ
Peer Relationships
+9
Hello! My name is Lee Owen, and I am a Licensed Clinical Social Worker (LCSW) providing virtual therapy in Tennessee. My focus is serving young adults and adults navigating life transitions. I believe that the emotions we are most tempted to run away from– fear, grief, anger– exist to tell us about the kind of life we want. I help clients learn to identify and listen to their emotions rather than being overwhelmed or shut down. I use evidence-based approaches to treat depression, anxiety, trauma and PTSD, and eating disorders. We will also work together to increase mindfulness and self-compassion and strengthen the relationships in your life.
Virtual
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Rated 5.0 stars out of 5, 60 ratings

Sandy Schwartz

LPC/MHSP, 30 years of experience

$120/session

Authentic
Solution oriented
Intelligent

Specialties

Anxiety
Grief
Self Esteem
+7
I am a Licensed Mental Health Counselor in Florida and a Licensed Professional Counselor in Tennessee. After completing my training at the University of Florida, I began practicing psychotherapy. My therapy approach includes strength-based counseling, insight-oriented therapy and cognitive behavioral therapy. I have a specialty in working with people with chronic illness, disability and anxiety disorders. In my free time, I enjoy time with friends, traveling, SCUBA diving and spending time with my dog, Cubby.
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.
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Rated 5.0 stars out of 5, 76 ratings

Pam Nuchols

LCSW, 24 years of experience

$120/session

Warm
Authentic
Humorous

Specialties

LGBTQ
Trauma and PTSD
Women's Issues
Greetings! I am a Licensed Clinical Social Worker (LCSW) based in Tennessee. The past 23 years I have worked in a variety of therapeutic roles in a variety of populations. I specialize in treating trauma and women's issues, but I don't exclusively see women. My job is to make you feel safe and comfortable when doing the work, and I am pretty good at it. Looking forward to getting to know you and walk along your recovery path together.
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Rated 4.9 stars out of 5, 9 ratings

Sherry McMillan

LCSW, 10 years of experience

$150/session

Authentic
Warm
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.
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Rated 5.0 stars out of 5, 23 ratings

Kelvin Brown

LCSW, 10 years of experience

$120/session

Direct
Authentic
Intelligent

Specialties

Anxiety
Life Transitions
Men's Issues
Mr. Brown is a Licensed Clinical Social Worker who specializes in interpersonal relations and reality testing. He also utilizes various evidenced based practices that are tailored to the clients’ needs while meeting them where they are in their journey. He utilizes structures that include individual, couples, family, alternative relationships, and/or process groups. He is licensed to practice clinically in Tennessee, Florida, Indiana, Pennsylvania, Arizona, and Virginia, and has a private practice located in the heart of the Nashville Black Community. He is an avid supporter of the needs, culture, and outlook of the African American community, while operating within an African Centered framework. Mr. Brown enjoys studying, teaching, and implementing Ancient African history. He recently traveled to Accra, Ghana during the Year of Return. With over 10 years of experience providing therapy, interpersonal training, and life management. I utilize various treatment approaches including trauma resolution, solution focused therapy, and mindfulness techniques. I will walk with you along your journey, providing a comprehensive treatment plan for your success.
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Rated 4.7 stars out of 5, 35 ratings

Robert Price

LPC/MHSP, 31 years of experience

$85/session

Authentic
Direct
Solution oriented

Specialties

Anxiety
Coping Skills
Men's Issues
+4
I have approximately 30 years of experience in virtually all clinical settings. I began my career working in a juvenile penitentiary (referred to as a 'youth development center) and after almost 6 years, left that setting and moved on to new opportunities. Along the way, I worked with group homes, foster homes, substance abuse treatment programs, and even provided treatment in a sexual offender treatment program. In 2004 I went solely into private practice and currently operate two offices. I also provided on-site services to businesses that suffer a death or other disruptive event; I have provided over 170 of these services in four states during the last several years. While you don't need any faith to see me, I also offer Christian Counseling. Finally, I am a US Army veteran and understand the challenges and needs of veterans. I operate under a practical approach that seeks to build on a person's strengths to achieve realistic, measurable goals. I utilize primarily cognitive behavioral therapy and reality therapy to help my clients achieve their goals and to live life more fully.
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Rated 4.9 stars out of 5, 53 ratings

Deandra Calvin

LPC/MHSP, 3 years of experience

$70/session

Warm
Authentic
Open-minded

Specialties

Child or Adolescent
Coping Skills
Life Transitions
I am a native Memphian who enjoys spending time with my husband and two daughters. My career as a counselor began in the school setting where I served as a middle school counselor. I earned the nickname of "adolescent whisperer" from making deep and meaningful connections with teens and their families. I wanted to extend my services beyond the school setting, thus I earned the mental health license that allows me to practice outside of the school setting as well. I counsel from the belief that we are all imperfect beings working to navigate life’s challenges. I love to motivate clients to become the best version of themselves while attentively acknowledging their current situation without judgment.
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Rated 5.0 stars out of 5, 62 ratings

Sarah Berger

LCSW, 23 years of experience

$125/session

Warm
Authentic
Solution oriented

Specialties

ADHD
Anxiety
LGBTQ
+7
Hello! I am licensed clinical social worker, LICSW who is a dedicated and compassionate therapist committed to supporting you on your path to emotional well-being and personal growth. I have had the privilege of guiding individuals through their various challenges for over two decades, helping each client discover their inner strength and resilience to manage symptoms or overcome life transitions and difficulties. I have worked with people of all ages ranging from children to the elderly, with more focus devoted to people in late teens to mid-life stages. I current reside and am licensed in Tennessee with additional licensure in Florida, Minnesota and North Dakota.
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Rated 5.0 stars out of 5, 4 ratings

Myra Johnson

LCSW, 28 years of experience

$150/session

Authentic
Warm
Empowering

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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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.