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 250 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: 4/12/2026

Often rebooked

$150/session

Authentic
Warm
Direct
Humorous
Challenging
Empowering
Intelligent
Holistic

Specialties

Anxiety
Depression
LGBTQ
+5
Hi, I’m Rachel! I’m a therapist who is here to help you take control of your own life, with empathetic and straightforward guidance. You have the answer inside you; sometimes it just takes someone helping move away the clutter. We will work together to uncover old patterns and beliefs that have been holding you back from being your true self.
VirtualAvailable

New to Grow

$85/session

Specialties

Anxiety
Bipolar Disorder
Depression
+9
I am a licensed professional counselor and a mother of two grown children and one grandson. Teaching was my first career and counseling is my second career. I am an empathetic, client-centered therapist who is action-oriented. I teach my clients how to discover alternatives and solutions to their problems. I want my clients to feel that I am really helping them with targeted treatments, and I want them to feel extremely at ease with me and be able to trust me. My goal is for them to improve over time and not feel that they are wasting their time in therapy.
VirtualAvailable

$190/session

Warm
Empowering
Open-minded
Solution oriented
Authentic
Challenging
Intelligent

Specialties

Anxiety
Depression
Grief
+10
As a counselor, I bring over two decades of trauma-informed, emotionally intelligent, and spiritually grounded care to the people I serve. My approach blends evidence-based modalities with deep compassion, helping clients feel safe, seen, and supported as they navigate stress, pain, and life transitions. I guide clients in understanding their patterns, strengthening their inner resources, and developing practical tools for healing. The impact of our work together is often a renewed sense of clarity, resilience, and self-trust-empowering clients to move forward with greater emotional health and a stronger connection to themselves. It’s my honor to walk with my client through some of the darkest times in their lives. We will work together to find hope and healing! Also available at ZocDoc https://www.zocdoc.com/professional/beverly-mcmanus-lpc-mhsp-lcmhc-lmhc-526813?isNewPatient=false&exp_pps_default_new_patient=true
VirtualAvailable

$125/session

Solution oriented
Authentic
Warm
Empowering
Open-minded
Intelligent
Direct
Humorous
Open-Minded

Specialties

Men's Issues
Trauma and PTSD
Women's Issues
I have been a licensed professional counselor for 15 years. I have worked with individuals with chronic illness, military veterans and their families, addiction issues, mood disorders, career counseling and coaching professionals. I am a trauma focused (EMDR trained) clinician who strives to provide support and individually tailored techniques, strategies and solutions to help you feel better quickly. I help you maximize your strengths and transform your weaknesses into strengths.
VirtualAvailable

$100/session

Warm
Empowering
Solution oriented
Authentic
Direct
Open-minded
Challenging
Intelligent

Specialties

Anxiety
Depression
Life Transitions
+10
Have stressful life events left you feeling tired, anxious, or overwhelmed? Have you tried to make changes, but nothing seems to work? Is your child having struggles related to their identity, managing heavy emotions, or expressing their needs? If so, I am here to help. My current treatment focuses/ training are for perinatal mental health, and Emotional Focused Therapy (EFT). I'm passionate about working with the BIPOC population, LGBTQ+ population, teens, & young adults as they learn how to navigate life’s challenges and transitions. I'm dedicated to working with those of various backgrounds and walks of life. We all have moments where life may seem as if it is too much to handle and be that as it may, asking for help is not a sign of weakness, but instead a sign of strength. Although you or your loved one or your child may feel as if you are alone, I am here to let you know that you are not. If you believe I can be of service to you do not hesitate to reach out.
VirtualAvailable

$100/session

Authentic
Empowering

Specialties

Anxiety
Couples Counseling
Sex Therapy
+10
Are you struggling with intimacy and feeling genuine connectedness to others? Have you suspected that you have attachment problems that seem to be repeated patterns in your life? What about sexual intimacy problems? Perhaps these are the topics you wouldn't want to share with anyone, but you'd still like to address. Let me help provide you with psychoeducation and "homework" to see actionable change in the way you relate to others and how pothers relate and connect to you.
VirtualAvailable

Often rebooked

$150/session

Authentic
Solution oriented
Warm
Direct
Humorous
Intelligent

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

$120/session

Empowering
Authentic
Solution oriented
Warm
Challenging
Direct
Intelligent

Specialties

Anxiety
Fertility & Reproduction Issues
Perinatal Mental Health
+3
I have one main intention for all clients with whom I work and that is to reduce suffering. Suffering takes a lot of forms, from struggling with discernment, overwhelm, thoughts that cycle and cycle and cycle throughout our minds...grief of something we've had or something we want to have -- and so much more. My approach to treatment is down-to-earth, nonjudgmental, and compassionate; and is leveraged with a sense of practicality and directiveness.
VirtualAvailable

New to Grow

$135/session

Specialties

Anxiety
Coping Skills
Depression
+5
I've been in the mental health field for around 17 years, licensed in the last 6, and have worked with a variety of clients. I've worked with parents who are struggling with behavioral issues with their children, adults struggling with chronic illness, older adults dealing with aging, and adults in general who are experiencing life transitions that are proving to be difficult to manage. I work to help clients find helpful ways of coping, while also addressing the core of the issues that they are dealing with.
VirtualAvailable

Often rebooked

$100/session

Warm
Authentic
Empowering
Solution oriented
Open-minded
Intelligent
Direct
Holistic
Challenging
Solution oriented
Humorous

Specialties

Anxiety
Depression
Trauma and PTSD
My name is Kelly Franklin and I am a Licensed Professional Counselor with a Mental Health Service Provider designation (LPC-MHSP) in Tennessee. I specialize in helping individuals who are experiencing trauma, PTSD, anxiety, depression, grief, and navigating significant life changes. I am passionate about providing a safe non judgmental space where you are seen and heard. Together we can outline the steps to reach your goals of healing and well being. It is such a wonderful journey!
VirtualAvailable

$95/session

Authentic
Warm

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

$90/session

Warm
Authentic
Solution oriented
Empowering
Intelligent
Open-minded
Humorous
Direct

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.
VirtualAvailable

$120/session

Warm
Authentic
Direct
Empowering
Humorous
Intelligent
Solution oriented

Specialties

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

$90/session

Solution oriented
Intelligent
Direct
Authentic
Empowering
Open-minded
Solution oriented
Holistic
Humorous
Warm

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.
VirtualAvailable

New to Grow

$125/session

Specialties

Anxiety
Depression
Suicidal Ideation
+9
I am originally from California, and have been practicing mental health therapy since 2014. I moved to East Tennessee in 2018, and fell in love with the beautiful mountains. I am licensed and can practice clinical psychology in both Tennessee and Virginia. Since 2021 I have been a caretaker to my elderly mother. I am now returning to work to once again provide therapy. My school background in psychology centered around children and young adults and neuropsychology (aka I'm the person who administers tests such as the WISC, WAIS, MMPI-2, MOCA, yep even the Rorschach test, and many more).
VirtualAvailable

$100/session

Solution oriented
Empowering
Warm

Specialties

Anxiety
Depression
Trauma and PTSD
+6
I am a Licensed Clinical Social Worker dedicated to helping individuals navigate life’s challenges and create meaningful, lasting change. I provide a supportive and collaborative space where clients can explore their thoughts, emotions, and behaviors while building practical coping skills. My approach is client-centered and goal-oriented, meeting you where you are while helping you move toward where you want to be.
VirtualAvailable

$90/session

Humorous
Open-minded

Specialties

Anxiety
Depression
Men's Issues
+3
Life can feel incredibly heavy when anxiety or depression takes hold, but you don’t have to carry that burden alone. For the past three years I have been a therapist dedicated to helping individuals navigate these challenges by fostering a space rooted in deep compassion and empathy. I understand that reaching out is a courageous first step, and I prioritize building a therapeutic alliance where you feel truly seen and heard without judgment. In our work together, I combine this supportive environment with evidence-based tools like Cognitive Behavioral Therapy (CBT) to help you identify and shift the thought patterns keeping you stuck. My approach is collaborative; we will work at your pace to develop practical strategies for managing stress and reclaiming hope. Whether you're struggling with persistent worry or a loss of motivation, my goal is to empower you to build resilience and create a life that feels meaningful and grounded again.
VirtualAvailable

$120/session

Warm
Authentic
Solution oriented

Specialties

Anxiety
Depression
Life Transitions
I’m a Licensed Clinical Social Worker with 15+ years of experience supporting individuals in their mental health journey. My work focuses primarily on helping adults navigate anxiety, depression, and life stressors. I often work with individuals experiencing burnout, major life transitions, relationship stress, work-related stress, and patterns of overthinking that can make daily life feel overwhelming. My goal is to provide a supportive, non-judgmental space where you can talk openly and begin making meaningful changes. I believe therapy should be collaborative and tailored to each person’s unique needs. Together, we will explore patterns, thoughts, and experiences that may be contributing to anxiety, stress, or low mood while also developing practical tools to help you cope more effectively. My approach is compassionate and grounded in evidence-based practices.
VirtualAvailable

$120/session

Warm
Authentic
Empowering
Solution oriented
Direct
Intelligent
Solution oriented
Open-minded
Open-Minded
Holistic
Humorous

Specialties

Anxiety
Depression
Coping Skills
+5
Welcome! If you are looking for a therapist that is easy to talk to, makes you feel at ease, and has over 17 years of experience and expertise.... you found one! Seeking out a therapist is not a sign of weakness, it indicates that you have been dealing with stressors and/or losses, that have become too much for you to manage on your own. I love what I do because I am able to see my clients transform and grow through the therapy process. Whatever you are going through, I can help you regain your emotional and mental well-being. I obtained my master's from the University of Southern California (USC). I specialize in treating anxiety and panic attacks. I know how painful and scary severe anxiety can be, as I have experienced it myself. Allow me to help you with my expertise and experience to recover and regain your emotional well-being!
VirtualAvailable

$95/session

Authentic

Specialties

Coping Skills
Depression
Older Adults
+1
I have worked in counseling in TN for many years, and held my license since 2001. I am a native of Nashville. I love the outdoors, competitive sports, volunteering, all of the nature in our state, music, family, and building faith in life. I want each person I see to find hope, to feel encouraged/supported, and to realize that there is growth and solutions after each battle. Anyone brave enough to seek support, deserves to know that taking that first step...is the hardest part. I want to help as a teammate. I like to find strengths/solutions/coping strategies.
VirtualAvailable

Often rebooked

$80/session

Empowering
Solution oriented
Authentic
Warm
Intelligent
Holistic
Open-minded
Challenging
Direct
Open-Minded
Solution oriented

Specialties

Coping Skills
Grief
Life Transitions
+4
It takes courage to surrender and reach out for help. I help people who are in Transition in their lives, whether it is loss of a person, a pet, a job, a relationship, or the secondary losses experienced through chronic illness, chronic pain and terminal diagnosis. I am a Transition Specialist helping people to be able to cope through the changes with dignity and grace. Lowering anxiety levels, frustration levels and assisting people in being able to manage the big emotions, difficult decisions and sometimes challenging relationships while going through the changes and transitions in life.
VirtualAvailable

$95/session

Authentic
Direct
Empowering
Solution oriented

Specialties

Men's Issues
Sex Addiction
Trauma and PTSD
+10
Hello. I’m Jamie and I’ve been a practicing therapist for many years. You may be recovering from addiction, childhood trauma, toxic relationships, or perhaps, all of these things! I know most people don't go through life untouched by trauma, anxiety, unhealthy habits or some kind of issue that deeply affects them. I also know life's problems do not come with troubleshooting instructions but I belive I know how to help people begin to effectively address them. Whether they were caused by genetic predisposition, environmental stress or undeterminable origins, my beliefs are: We can have a life worth living regardless of how it started. There is help worth seeking, and problems get better with wise counsel.
VirtualAvailable

$100/session

Warm
Authentic
Empowering
Open-minded
Solution oriented
Direct
Open-Minded
Holistic

Specialties

Addiction
Anger Management
Coping Skills
+10
I am a licensed professional counselor and earned my master’s degree at the University of Tennessee. I am accepting new clients and would love to talk more about how I can help you with whatever challenges you are facing. Life can be tough but having someone who is trained to help you navigate all of life’s twists and turns is invaluable.
VirtualAvailable

$130/session

Humorous
Authentic
Empowering
Warm
Solution oriented
Intelligent
Open-Minded
Direct
Open-minded
Solution oriented
Holistic
Challenging

Specialties

Anxiety
Coping Skills
Depression
+6
Welcome! I'm Melissa. Do you feel anxious, troubled, or unhappy most days? Do you simply want someone to listen, understand, and help? I'm in recovery for alcohol use disorder and am a combat veteran. I've had to learn coping skills or lose everything. I understand anxiety and depression, which helps me provide a compassionate, collaborative, and grounded approach. I specialize in helping individuals develop coping skills that can be used in real-time to alleviate negative moods and improve daily functioning. Whether you're facing a major life transition or seeking to learn coping skills, I'm here to walk with you through the process. Healing isn't linear, and therapy should be tailored to your unique goals and strengths. I can help you better understand the connections between your thoughts, feelings, and behaviors: "What makes you tick?" Together, we can identify negative thinking and reshape it in a way that changes how you feel. I can help you challenge negative thoughts and identify more helpful/realistic thoughts. This will help you better enjoy your life because you will view it more positively. We'll create long-term change with tools such as quick and easy mental exercises. I also integrate journaling, mindfulness exercises, and stress-reduction techniques to support positive outcomes. Together, we can identify healthy coping skills that actually work. You deserve a life that brings you contentment and joy. Let's work together on this journey of healing.
VirtualAvailable

$75/session

Authentic
Warm

Specialties

Grief
Life Transitions
Anxiety
+3
If you are moving through a season shaped by loss, you don’t have to carry it alone. Grief does not always look like sadness - it can show up as anxiety, numbness, irritability, or feeling stuck. You may be functioning on the outside while feeling disconnected on the inside. If you are feeling stuck in your grief, I am here to meet you exactly where you are and walk with you towards growth, healing, and renewed well-being. I am a Licensed Clinical Social Worker, and I specialize in supporting adults (18+) who are experiencing grief related to death, illness, caregiving, and major life transitions. I believe grief and humor often sit at the same table. I love to laugh, bake sourdough, and pay attention to the small, ordinary things that make life feel like life. Those parts of me come with me into the work—because grief therapy is, at its heart, about living. I have sat with enough grief—my own and others’—to know that the hardest part is rarely the moment of loss. It’s the long, quiet after. It’s the empty seat at the table. My practice grew from late-night conversations with people who felt alone in their grief. From love for people and for the sacred, the human truth that our stories matter.
VirtualAvailable
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 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.

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.

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 happens during the first therapy 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.