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 258 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: 8/21/2026

New to Grow

$150/session

Specialties
Anger Management
Anxiety
Trauma and PTSD
+10
I’m a Licensed Clinical Social Worker who believes therapy should feel safe, human, and a little less intimidating. I earned my MSW from the University of Memphis and have worked in a variety of settings, including clinics, schools, and residential programs. I offer a warm, down-to-earth space where you can talk openly, at your own pace, without judgment. Together, we’ll focus on what matters most to you and build practical tools for real life.
Available

$120/session

Authentic
Open-minded
Empowering
Specialties
Anxiety
Depression
Men's Issues
Hello, and welcome. I am a Licensed Clinical Social Worker based in Tennessee with a Master of Social Work degree from Austin Peay State University. I have over five years of experience providing clinical social work services in a variety of settings, including private practice, hospitals, acute and long-term mental health facilities, and correctional institutions. These diverse experiences have allowed me to effectively support individuals from all walks of life and with a wide range of concerns.
VirtualAvailable

New to Grow

$60/session

Specialties
Anxiety
Depression
Family Therapy
+10
Basically, I use Cognitive Behavioral Therapy. I have a background of working with individuals but due to my family therapy training I do want to know your family situation and ways that work and don't work for you. I have been working with Medicare clients and SPMI (Severe and Persistent Mental Illness). Many time I have found that clients who usually manage their lives well can sometimes feel overwhelmed by changes in their lives. I truly want to locate and focus on strengths, but want to be supportive of areas where support is needed. Life can be difficult and learning coping skills can help us navigate both the highs and lows that life brings us. I am friendly and positive. I want to help you feel better. If there are traumas, I will listen. 🛷
Available

Often rebooked

$50/session

Authentic
Humorous
Direct
Specialties
Anger Management
Anxiety
Depression
+8
Hello! I am a Licensed Clinical Social Worker. I have 7 and a half years experience. I graduated with my Master's Degree in Social at at the University of Kansas in 2017. Since graduation I have worked in corrections with incarcerated youth and have worked inpatient acute care with at risk youth. I also have experience working with juveniles diagnosed with autism. Throughout my practice my primary focus has been on trauma, depression/anxiety, and anger.
VirtualAvailable

$105/session

Warm
Authentic
Open-minded
Specialties
Anxiety
LGBTQ
Trauma and PTSD
+8
Hi! I’m Macy! I’m a warm, down-to-earth therapist from East Tennessee who believes you don’t have to navigate life’s challenges alone. I strive to create a supportive space where you feel heard, accepted, and truly understood. Together, we’ll work at your pace to build coping skills, explore patterns, and process difficult experiences. As an EMDR-trained therapist, I help clients heal from trauma and painful experiences while supporting growth, self-discovery, and meaningful change.
Available

$150/session

Authentic
Warm
Direct
Specialties
Anxiety
LGBTQ
Life Transitions
+8
Let’s be real—life gets messy, and sometimes Googling your problems just isn’t cutting it anymore. I work with individuals 15 and up, navigating anxiety, stress, life transitions, or that constant “what am I doing with my life?” loop. I earned my BSW in 2013 from Prairie View A&M University and my MSW in 2016 from Our Lady of the Lake University. I hold an LCSW in TX, MN, ND and TN, and have over 8 years of experience supporting individuals and families from all walks of life. I’m passionate about working with people of color, and I aim to create a supportive, affirming space where you feel seen and respected. If you’re ready to stop spinning your wheels, your path Back to Life starts here!
Available

$100/session

Authentic
Open-minded
Warm
Specialties
Anxiety
Depression
Trauma and PTSD
+10
Hello, thank you for considering me to help you on your healing journey. I am an LCSW and I have been a mental health professional for the past 15 years. My style is eclectic and I incorporate relevant techniques from evidenced based practices, based on the individual needs of my clients. I am a holistic practitioner and focus on mind, body, and spiritual wellness. I provide transformational psychotherapy through my virtual office. I utilize Eye Movement Desensitization and Reprocessing (EMDR), Dialectical Behavioral Therapy (DBT), Mindfulness Based Therapies, and Cognitive Behavioral Therapy are my main evidenced based tools.
VirtualAvailable

$90/session

Authentic
Warm
Solution oriented
Specialties
Addiction
Anxiety
Depression
+7
I am a Licensed Clinical Social Worker in North Carolina with 10 years of counseling experience. I received my Master's Degree in Social Work from the University of North Carolina at Chapel Hill and have spent many years working in community behavioral health. My training and my work have shaped me into a clinician that understands a person's environment is as important as their mindset. You will find me to be supportive and an advocate for my clients complete health.
VirtualAvailable

$150/session

Authentic
Intelligent
Open-minded
Specialties
Addiction
Anxiety
Life Transitions
Dr. Jennifer Dozier, has her PhD in psychology and has extensive experience helping individuals, families, and children navigate life's challenges and achieve meaningful personal growth. Since 1995, she has worked extensively in the mental health field. Dr. Dozier utilizes evidence-based approaches including Cognitive Behavioral Therapy (CBT) and Brainspotting to help clients address anxiety, depression, trauma, relationship concerns, life transitions, and behavioral challenges. She is committed to creating a compassionate, supportive, and goal-oriented therapeutic environment where clients can develop resilience, improve emotional well-being, and create lasting positive change. Her approach emphasizes collaboration, empowerment, and individualized care tailored to each client's unique needs and circumstances.
Available

$75/session

Authentic
Direct
Empowering
Specialties
Addiction
Spirituality
Trauma and PTSD
+10
So, who am I; and what am I doing here, eh? Also, do you struggle to talk about yourself ? - 'cause I sure do. Anyways, let's see... Personnally, I identify as a neurodiverse, cis-female, middle-aged (yes, over 40yo), divorced, single mother of two human loves and one canine love who enjoys spending time outdoors, flow arts, music, and dancing and singing and laughing. Also, learning is my favorite - like, I'm a full-on brain geek, for realz. Professionally, I hold licensure through the State of Tennessee Department of Health as a Professional Counselor and Mental Health Service Provider since March 2025 which allows me to independently provide Clinical Mental Health Counseling services - including assessment, evaluation, diagnosis, and treatment of Mental and Behavioral Health issues, conditions, disorders, and illnesses. Proper and thorough clinical assessment, ethical practice, trauma-informed engagement and care, destigmatization, and advocacy are consistent characteristics of my approach toward Client care. As a therapist, I believe in building therapeutic relationships founded on honesty, transparency, respect, patience, alliance, and safety. My style of counseling is raw, uncut, and straight-forward while remaining sensitive, respectful, and culturally aware in offering constructive, caring, well-informed and growth-oriented feedback, guidance, and support. Ultimately, we're in this together. Experience: 15 years in the Restaurant/Bar Service Industry (technically not clinical experience; howerever, theoretically... iykyk :)) 5 years in Runaway and Homeless Youth (RHY) programming serving homeless and at-risk adolescents and young adults toward prevention and intervention of human trafficking 6 years in clinical treatment of Co-Occurring Mental Health Disorders and Substance Use Disorders (yes, I have history) serving Adults from an Integrated Therapy approach primarily through Intensive Outpatient Programs providing group and individual therapy The door to your best self is open; all you have to do is walk through it. See you inside.
Available

$120/session

Empowering
Intelligent
Solution oriented
Specialties
Anxiety
Depression
Life Transitions
+6
You appear calm and put together on the outside, internally you feel overwhelmed and exhausted. You've been doing everything you can to keep things together so no one notices how much you're struggling, but lately it feels harder to manage. You're doing your best to hold on, yet you worry that one more stressful situation could push you past your limit. You continue to smile, show up, and tell yourself you're okay, even when deep down you know you're not. Because you look “fine” to others, people may not realize how heavy things have become for you. You often minimize your own pain by comparing yourself to others, convincing yourself that you should just be grateful because “others have it worse.” As a result, prioritizing your emotional well-being can feel selfish or undeserved. If this describes you, and you are ready to stop overthinking, you are no longer willing to put your own needs on the backburner, you are ready to silence the inner critic, work on your personal and/or professional relationships, and you want to stop just going through the motions, we should talk. I have the credentials that every other therapist has earned, representing the commitment of a competent practitioner. However, its important to note that my caring coupled with my competence makes me who I am. I am a person of faith, wife (retired military veteran) mother, grandmother, and dog mom. I've navigated many seasons of life overcoming grief and loss, divorce, careers, the sandwich generation (caring for aging parents and small children), financial challenges, and blending a family. All the makings for stress, anxiety, and depression. During these and other dark seasons, it was the professional help holding my hand through the darkness until I could see the light again. Let's walk together to the light.
Available

$150/session

Specialties
Anxiety
Depression
Family Conflict
+7
Hi! My name is Leahanna McDonald and I am a Licensed Clinical Social Worker (LCSW)! I received my Masters from the University of Southern Indiana and have been serving children and families since 2014. I support children, teens, and caregivers during high stressors of life transitions such as divorce, separation, parenting conflicts, high conflict divorce, custody changes, and changes in family dynamics.
VirtualAvailable

$95/session

Open-minded
Authentic
Humorous
Specialties
ADHD
Anxiety
Depression
+10
Are you stuck? Struggling with big feelings? Trouble focusing and staying organized? Just need someone who is not connected to you in any other way to talk with and bounce things off of? I can help! The journey of a thousand miles begins with the first step. It is often difficult to begin the journey of therapy, and I am glad you are considering it. Most people come to therapy hoping to try and fix something in their life that does not seem to be working so well. I will work with you to try and discover what is going on and how we can work together to help you be the best self you can be. I believe in focusing on building small, easy-to-learn coping skills and taking consistent baby steps towards your goals. My name is Jason Fox, and I am a Licensed Professional Counselor with a Mental Health Service Provider designation in Tennessee (LPC, MHSP). I have 19 years of experience in mental health. I practice primarily cognitive behavioral therapy. I focus on trying to teach people that we need to think and act better first in order to feel better. I have experience working in crisis and crisis supervision. I have seen a lot of different things over the years, and the most important thing to me as a therapist is to meet clients where they are and to have a positive working relationship with them to help them get to where they are going.
VirtualAvailable

$130/session

Warm
Authentic
Open-minded
Specialties
Anxiety
Grief
Self Esteem
+9
Madison is a seasoned therapist with over 12 years of experience dedicated to empowering women and mothers through their mental health journeys. Madison creates a safe and supportive environment where her clients can explore their feelings and build resilience. Using Cognitive Behavioral Therapy (CBT) as a foundational approach, Madison focuses on helping clients challenge negative thought patterns and develop healthier coping strategies. She is also Health at Every Size® (HAES) trained, promoting a holistic understanding of health that celebrates body diversity and encourages self-acceptance. Madison’s compassionate and client-centered approach has made her a trusted ally for many women navigating the complexities of motherhood, self-image, and mental health. She believes in the power of connection and is committed to helping her clients find their strength and voice in their healing journeys.
VirtualAvailable

$125/session

Warm
Authentic
Empowering
Specialties
Anxiety
Depression
Grief
+6
A Big Hello to you. You are scanning all these profiles. Looking for something to stand out to make you say,"I will go with this one." It is daunting but you have made it this far. Here is the tip. Your choice is not terminal. It is absolutely ok to try multiple therapists to see who gets you the best. Who understands you the best. After each session, you should feel lighter. You may not recall all that was said, but you will note how you feel. Did you feel heard? Understood? Did the therapist talk to me like they were reading a book or did it sound like they really got me? When you get the right one, those questions will be answered with a firm, Yes. ---->Part of individual therapy is talking about friends, partners and loved ones. My training and focus are centered only on heterosexual relationship dynamics. If you are looking for letters for work, ESA, Social Security, FMLA, Family Court, you will need a psychological evaluation by a forensic psychologist. I am not able to perform assessments, letters for claims or provide appearances in court.
VirtualAvailable

$95/session

Solution oriented
Authentic
Intelligent
Specialties
Life Transitions
Peer Relationships
Domestic Violence
+8
Hi, I’m Neesha, a virtual-only licensed therapist offering short-term online counseling (2–12 sessions) to adults in Tennessee and Washington, DC. Navigating life's challenges can feel overwhelming, but you don't have to do it alone. With a master's in Community Counseling and over 8 years of experience, I specialize in helping individuals process and heal from the stress of life transitions, relationships, grief and women's issues.
VirtualAvailable

$125/session

Solution oriented
Direct
Empowering
Specialties
High Clinical Acuity
Perinatal Mental Health
Personality Disorders
+10
My name is Ashley Davis, and I am a Licensed Professional Counselor and Approved Clinical Supervisor in Tennessee. I also hold a doctorate of Counselor Education and Supervision and teach in a counseling program. I have worked in the mental health field for eight years in a variety of settings including residential, outpatient, and crisis services. In addition to providing Dialectical Behavioral Therapy, I also provide Eye Movement Desensitization and Reprocessing (EMDR) therapy.
VirtualAvailable

$145/session

Warm
Authentic
Empowering
Specialties
Anxiety
Life Transitions
Trauma and PTSD
+3
I received my Master's in Psychology from Pepperdine University and have specialized training in whole-body healing techniques like EMDR, Brainspotting, & Nutritional Psychology. My passion lies in empowering clients to develop adaptive skills and invite meaningful change into their lives. Together, we can explore new ways of being and break free from old patterns that may be holding you back. .
VirtualAvailable

$125/session

Authentic
Warm
Empowering
Specialties
Trauma and PTSD
Women's Issues
Hello! I am Licensed Marriage and Family Therapist. I got my undergraduate degree at Carson-Newman University in Psychology and my Masters Degree from Capella University. I have been practicing for over 10 years. I work with adolescents, young adults, and adults through the lifespan. I enjoy being able to walk alongside people so they can become the best version of themselves, learn how to heal previous trauma, and develop healthy coping skills.
VirtualAvailable

$140/session

Solution oriented
Intelligent
Open-minded
Specialties
Anxiety
Couples Counseling
Depression
+8
Hi! I am a psychotherapist (LCSW) with 11 years of practice in the clinical field and over 30 years of experience in the Christian approach. I graduated from the University of Hawaii but serve both Hawaii and Tennessee. I do my best work with clients who are seeking an amalgamation of the clinical and Christian approaches specifically in couples work and infidelity recovery. I have also seen some remarkeable transformations using experiential therapies for more trauma-related presentations.
VirtualAvailable

$175/session

Solution oriented
Warm
Empowering
Specialties
ADHD
Autism
Learning Disabilities
+2
I’m a licensed psychologist (PhD) specializing in autism, ADHD, and complex patterns in both children and adults. I work with thoughtful individuals and parents who feel stuck, overwhelmed, or like something isn’t fully adding up—especially when traditional approaches haven’t helped. My approach is warm, direct, and insight-driven. I don’t just listen—I help you understand patterns, make sense of what’s going on, and figure out what actually works for your brain (or your child’s). I’m neurodiversity-affirming and experienced in differentiating anxiety, burnout, ADHD, and sensory or social overwhelm. With parents, I focus on helping you understand your child more clearly and respond in ways that actually work—so things feel more manageable at home. Sessions are collaborative, practical, and focused on meaningful change.
VirtualAvailable

$75/session

Open-minded
Warm
Specialties
Mood Disorders
Substance Misuse
Trauma and PTSD
+9
I believe in the person-centered approach. I meet you where you are. I work across the life span, with my youngest patient being age 3 and my oldest patient being in their 80s. Each person is different and comes from a different experience, so I work from a holistic approach. Whether it's depression, anxiety, ADHD, Autism, OCD, trauma or some other issue, no one experiences symptoms the exact same way. Therefore, their treatment should not be a cookie cutter approach. Over my 15 years experience, I have been able to meet many people along the way through working in the school system, to inpatient facilities and outpatient services. I look foward to meeting you and working together to meet your needs.
Available

$115/session

Warm
Authentic
Empowering
Specialties
Addiction
Anxiety
Depression
+10
Hi, I’m Holly! If life feels heavier than it should right now, you don't have to carry it alone. For the last twelve years, I've walked alongside adults, adolescents, and individuals of all genders and identities as they work through some of life's hardest challenges. I believe you already have strengths within you that we can build on together. You deserve a therapist who meets you exactly where you are, without judgment. My goal is to help you navigate the challenges life has handed you by drawing on the unique strengths you already carry. Whether you're navigating substance use, the weight of adolescence, a major life transition, or a season of life that feels stuck, my hope is to create a safe space where you can speak openly, feel understood, and move toward a healthier way forward. I am a Licensed Clinical Social Worker (LCSW) licensed in Arizona, Tennessee, and South Dakota. I welcome individuals of all genders and identities, including LGBTQ+ and nonbinary clients, and strive to create a compassionate, inclusive space where you can be yourself. To learn more about me, my approach, and my practice, visit www.hollybutlercounseling.com
VirtualAvailable

$115/session

Warm
Authentic
Solution oriented
Specialties
Anxiety
Depression
Trauma and PTSD
+10
Hello, my name is Julie Phillips and I am a Licensed Clinical Social Worker. I believe in supporting each other and one way I can support you is through therapy. Whether you need to process a stressful event or need to vent I am here to support you. I strive to tailor your session to meet your needs. Some sessions may need to be more strictly focused with Cognitive Behavioral Therapy, while other sessions are spent on learning a new coping skill such as mindfulness. Your session is about you and what may help you the most to resolve what issues you may have and to help you find your strength and empower you to keep moving forward. My aim is to make you, the client, feel comfortable in a judgement free zone. I want you to feel like you came to the right place, a warm inviting, calm, and empowering space where you can share what you feel you need to share.
VirtualAvailable

$125/session

Intelligent
Solution oriented
Specialties
Anxiety
Crisis Intervention
Grief
+7
My name is James Smith. I am a graduate of Florida State University College of Social Work. I lived in FL nearly all of my life, until in 2024 I had a chance to live closer to family in TN. My primary practice has been in the medical field, especially working with seniors with dementia and hospice. I currently work with dialysis patients. I am currently licensed in FL and TN and open for new patients. I believe that most individuals needing therapy already have the answers that they seek and need a trusted individual to listen to their concerns. When problems arise, I help you to navigate through your ideas, provide feedback and help you find success. I enjoy spending time with my family, training for and completing triathlons and working for better handwriting tools for lefties.
Available
Frequently asked questions

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

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

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

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

Your first therapy session is for you and your therapist to meet each other and to ask any questions that you have about the counseling process. This is where you can expect your therapist to do the same as they will ask questions to gain insight into your specific situation. In this first session the therapist is doing their part to gather as much information so they can better assess if they are able to meet your therapeutic needs. Depending upon your provider's specialty, you may also discuss the methods the therapist will use. For additional information on therapy methods, please visit the Grow Therapy Help Center.Some people feel nervous before their first appointment, and that is totally normal! Coming prepared with a list of questions for your therapist may help. Remember, you're taking a brave step by seeking therapy, and it is okay to be nervous as you try something new.