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 215 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: 1/12/2026

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New to Grow

$120/session

Specialties

Anxiety
Life Transitions
Spirituality
+8
I am a Licensed Professional Counselor – Mental Health Service Provider (LPC-MHSP) with seven years of experience helping individuals navigate life’s challenges and work toward meaningful change. My background includes working with clients across a wide range of ages, from adolescents to older adults, which has given me a strong understanding of the unique needs and perspectives at different stages of life. I hold a Bachelor’s degree in Psychology and a Master of Science in Counseling, which provide the foundation for my work in mental health.
VirtualAvailable
Rated 5.0 stars out of 51 ratings
Rated 5.0 stars out of 51 ratings

$135/session

Specialties

Spirituality
Trauma and PTSD
Women's Issues
Hi, my name is Diane Darby and I am a licensed Clinical Social Worker in Texas and Tennessee. I have been a therapist for over 30 years and I love what I do - supporting my clients in making meaningful change in their lives and moving in the direction of what matters to them. I prioritize creating a safe and nonjudgmental space. My therapeutic approach is flexible and holistic, incorporating various strategies to meet your individual needs. I am skilled in Eye Movement Desensitization Reprocessing, (EMDR), Somatic Therapy, Mindfulness, and Internal Family Systems and will utilize these approaches to support you in gaining insight, developing coping strategies, and achieving lasting change. Additionally, if it is of interest to you, I am also able to incorporate spiritual practices grounded in mindfulness. These practices support you in raising your consciousness in order to create alignment with your heart, body, and soul so that healing may begin.
VirtualAvailable
No reviews yet
No reviews yet

New to Grow

$70/session

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
Rated 5.0 stars out of 592 ratings
Rated 5.0 stars out of 592 ratings

$125/session

Solution oriented
Warm
Empowering

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.
VirtualAvailable
No reviews yet
No reviews yet

New to Grow

$135/session

Specialties

Anxiety
Military/Veterans
Trauma and PTSD
+4
I am a therapist who enjoys building a relationship with my clients by finding how to best understand each other. We may not share a background, but practicing curiosity from a position of genuine interest helps me better understand the people around me and form rapid connections. I believe knowledge and language have power so that the way we think and the information we use to think help us view what we think as changeable and adjust it to be more helpful.
VirtualAvailable
Rated 5.0 stars out of 565 ratings
Rated 5.0 stars out of 565 ratings

$150/session

Open-minded
Authentic
Empowering

Specialties

Anxiety
Depression
Anger Management
+1
As a seasoned therapist, my experience includes a broad spectrum of mental health issues. I have a network of physicians, mental health providers, and spiritual advisors whose counsel I seek to help provide the best care for my clients. It is my goal to lead clients to ask the right questions and help them find answers that will result in a positive, forward movement in the therapeutic process. My primary focus is Cognitive Behavioral Therapy, but I use other modalities when necessary to help clients achieve the change they are seeking. My practice includes marriage and family counseling, depression, anxiety, bipolar disorder, aging concerns, workplace challenges, mediation, and faith-based counseling upon request. I welcome clients from all backgrounds and issues, helping them develop coping skills and move forward positively. I collaborate with a network of professionals to provide the best care. If I or the client feels I am not the right fit, I will help find someone better suited, without it affecting my self-esteem.
VirtualAvailable
Rated 5.0 stars out of 519 ratings
Rated 5.0 stars out of 519 ratings

Frequently rebooked

$135/session

Authentic
Empowering
Humorous

Specialties

Anxiety
Grief
Life Transitions
+10
Hi. It's nice to meet you! I am a mental health therapist that is located in Nashville, TN. I serve clients struggling with mood disorders, life transitions, trauma, grief, and eating disorders. I have two years of experience working in a residential facility for the treatment of eating disorders and a year working with substance use disorders in the underserved community. Client's often share that through our work, they have found a greater sense of self acceptance, learned how to regulate emotions, and developed practice tools to navigate daily challenges. They describe feeling more hopeful, more connected, and better equipped to live in alignment with their values. Witnessing these shifts- seeing clients move from pain and self-doubt to resilience and empowerment- is at the heart of why I do this work.
VirtualAvailable
Rated 4.9 stars out of 537 ratings
Rated 4.9 stars out of 537 ratings

$125/session

Solution oriented
Warm
Empowering

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.
VirtualAvailable
Rated 5.0 stars out of 53 ratings
Rated 5.0 stars out of 53 ratings

Frequently rebooked

$110/session

Solution oriented
Direct

Specialties

Anxiety
Depression
Women's Issues
+10
Life throws curve balls. You don't have to take them on alone. I believe in creating a safe environment to help you manage everything you're carrying. Hello, I’m Mary Tauscher, LCSW. I earned both my Bachelors and Masters of Social Work at the University of Georgia. In addition to private practice, I have experience working in community behavioral health for 7 years and in a brief intervention program for 5 years, providing therapy to adolescents and adults.
VirtualAvailable
Rated 5.0 stars out of 52 ratings
Rated 5.0 stars out of 52 ratings

Frequently rebooked

$130/session

Authentic
Warm

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.
VirtualAvailable
Rated 5.0 stars out of 55 ratings
Rated 5.0 stars out of 55 ratings

$110/session

Direct
Solution oriented

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.
VirtualAvailable
Rated 4.9 stars out of 588 ratings
Rated 4.9 stars out of 588 ratings

Frequently rebooked

$115/session

Warm
Solution oriented
Open-minded

Specialties

Addiction
Anxiety
Depression
+10
Hi! I'm a Licensed Clinical Social Worker who is currently licensed in Arizona, Tennessee and South Dakota. I have worked with a variety of men, women, and adolescents over the last ten years. My intent is to always meet people exactly where they are at and help them overcome the challenges that life has given them. I truly believe that every person who I work with has a unique set of strengths, and by using those strengths the person has the ability within themselves to persevere.
VirtualAvailable
Rated 4.9 stars out of 565 ratings
Rated 4.9 stars out of 565 ratings

$150/session

Warm
Authentic
Intelligent

Specialties

Anxiety
Depression
Trauma and PTSD
+3
I am a Licensed Clinical Social Worker with 33 years of experience in the mental health field working with a variety of clients and ages. I attended the University of Louisville and obtained a Master's in Social Work. I have worked in a variety of clinical settings including private practice, director of mental health centers, and director of psychiatric hospitals. I utilize a variety of techniques including EMDR, somatic, CBT, and faith based upon request.
VirtualAvailable
Rated 4.7 stars out of 57 ratings
Rated 4.7 stars out of 57 ratings

$120/session

Empowering
Solution oriented

Specialties

Anxiety
Couples Counseling
Spirituality
+10
Welcome! Come on in, I’m glad you’re here. The challenges of life can be overwhelming; the past making the present feel like less of a gift. You may feel stuck, like it’s impossible to move forward. Life transitions have a way of stirring up emotions and throwing you off balance. This mounting weight can impact your relationships, work, social life, and everything around you. I want you to know that you don’t have to face all of this alone. Together we can create a plan to help you feel better and achieve the changes you are seeking. Here, you will have a safe place to learn and to grow to overcome the challenges you face. We will work together to establish a genuine connection. I believe this is the most important part of therapy. I value honesty and transparency in our work together, without which movement and authentic change cannot occur. For therapy to work, you have to feel understood and heard by your therapist. I will work with you to alleviate hesitancy about therapy and fear of vulnerability. I will frequently check in with you to ensure the therapy process is working for you and ask how our relationship can be improved. This collaboration will empower you to make the changes you need in your life. You will have more control over your decisions. Regardless of your “why,” whether trauma, marriage or relationship issues, depression, anxiety, grief, loss, or life transitions, I’m honored to be here for you. We will get through this together.
VirtualAvailable
Rated 4.9 stars out of 571 ratings
Rated 4.9 stars out of 571 ratings

$70/session

Humorous
Open-minded
Authentic

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.
VirtualAvailable
Rated 4.9 stars out of 549 ratings
Rated 4.9 stars out of 549 ratings

$90/session

Intelligent
Solution oriented
Empowering

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
Rated 5.0 stars out of 571 ratings
Rated 5.0 stars out of 571 ratings

$120/session

Empowering
Authentic
Warm

Specialties

Life Transitions
Serious Mental Illness
Trauma and PTSD
+10
I have over a decade of experience providing solution focused therapy as well as crisis management and serving people with post traumatic stress disorder. I use cognitive behavioral therapy as well as person centered therapy to help guide people to their goals and their true authentic self. My greatest passion is helping people accept themselves and find their true authentic self. I am kink aware, polyamory friendly, and LGBTQIA affirming.
VirtualAvailable
Rated 5.0 stars out of 5136 ratings
Rated 5.0 stars out of 5136 ratings

$160/session

Open-minded
Solution oriented
Intelligent

Specialties

Anxiety
Couples Counseling
Trauma and PTSD
+5
Hello! I am a Licensed Clinical Social Worker and have been practicing in a variety of settings for 20 years. I enjoy working with clients and families to build upon skills and resilience that will serve them in their treatment journey. I have extensive experience treating trauma, mood disorders, self harm / suicidal thinking, anxiety and addiction. I believe clients can and should thrive in the therapeutic experience.
VirtualAvailable
Rated 4.8 stars out of 56 ratings
Rated 4.8 stars out of 56 ratings

$100/session

Challenging
Empowering

Specialties

Anxiety
Depression
Grief
+10
I’m Charity Smith, a Licensed Clinical Social Worker with over 12 years of experience supporting individuals and families across outpatient, medical, military, and telehealth settings. I provide compassionate, evidence‑based care tailored to each client’s needs, drawing on approaches like CBT and DBT to help manage stress, navigate life transitions, and build resilience. My goal is to create a safe, supportive space where you feel heard and empowered to make meaningful change.
VirtualAvailable
Rated 5.0 stars out of 52 ratings
Rated 5.0 stars out of 52 ratings

$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.
VirtualAvailable
Rated 5.0 stars out of 57 ratings
Rated 5.0 stars out of 57 ratings

$100/session

Warm

Specialties

ADHD
Anxiety
Child or Adolescent
+8
Hi, I’m Virginia, a Licensed Professional Counselor–Mental Health Service Provider (LPC-MHSP) in Tennessee and an LPC in Virginia. I have over seven years of experience providing therapy and counseling services to children, teens, and adults. For the first five years of my career, I specialized in child and adolescent therapy, helping young people navigate emotional challenges, family transitions, school stress, and life changes. In the past two years, my work has expanded to include crisis counseling and intervention, supporting individuals and families through moments of acute distress with care and stability. I’m also passionate about maternal mental health—working with new and experienced moms as they adjust to motherhood, manage postpartum stress or anxiety, and reconnect with their identity and well-being. My goal as a therapist is to create a safe, supportive, and nonjudgmental space where clients of all ages can explore their emotions, build resilience, and develop healthier coping strategies. Whether you’re seeking support for your child, guidance during a crisis, or help finding balance as a mom, I’m here to walk with you on your journey toward healing and growth.
VirtualAvailable
Rated 5.0 stars out of 55 ratings
Rated 5.0 stars out of 55 ratings

Frequently rebooked

$150/session

Intelligent
Open-minded

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.
VirtualAvailable
Rated 4.9 stars out of 5130 ratings
Rated 4.9 stars out of 5130 ratings

$130/session

Warm
Authentic
Empowering

Specialties

Anxiety
Depression
Trauma and PTSD
+10
In my career spanning over 20 years, 12 of those years have been as a Licensed Professional Counselor and Mental Health Service Provider focusing on outpatient behavioral health. I like to inform clients, that like all humans, I am far from perfect even though I am on the other side of the desk with the answers and knowledge. This helps to build rapport and allows authentic and vulnerable conversations.
VirtualAvailable
Rated 5.0 stars out of 51 ratings
Rated 5.0 stars out of 51 ratings

$175/session

Direct
Empowering

Specialties

Anxiety
Spirituality
Trauma and PTSD
I'm a Hispanic, cisgender woman with lots of experience working with children, adolescents, and adults dealing with trauma, anxiety, depression, generational trauma, domestic violence, career changes, life transitions, relationship issues, religious trauma. I have been in the social work field for over 20 years. Being a Social Worker is a great passion of mine. My focus is to help you heal from past experiences, life events, present situations. I describe the therapeutic relationship as if I'm on the passenger seat helping you maneuver this road in life.
VirtualAvailable
Rated 5.0 stars out of 523 ratings
Rated 5.0 stars out of 523 ratings

$120/session

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.
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 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.