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 229 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: 6/6/2026

$65/session

Warm
Intelligent
Solution oriented

Specialties

Addiction
Anxiety
Depression
+10
I have dedicated more than 30 years of my life to the helping profession of Social Work. I have worked tirelessly to advocate for the poor, elderly, disabled and those struggling with substance use and mental health challenges. I prefer to be in the present, listen to the client and partner with them to come up with a plan to meet their unique set of challenges and opportunities, not just just meet short term goals but make therapy a way to teach long term ways of coping that aid in meeting challenges in the future and not dependent on the therapist but through inner strengths that are fostered in therapy as ways to build up self-esteem, cultural pride and self worth.
VirtualAvailable

$165/session

Warm
Empowering
Open-minded

Specialties

Eating Disorders
Grief
Trauma and PTSD
+10
I bring seven years of experience treating clients from a relational perspective. My goal from the time we meet is to connect with you as a human first and therapist second. This means I see you as an individual to build a relationship of trust and collaboration with, rather than as a list of problems to solve. As a trauma-informed therapist, I understand the importance of giving you agency over your treatment and life decisions. No one knows you better than you know yourself, so we set goals together, implement interventions at your pace, and maintain open communication throughout the process.
VirtualAvailable

$135/session

Intelligent
Authentic
Solution oriented

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

New to Grow

$75/session

Authentic
Solution oriented

Specialties

Career Counseling
Couples Counseling
Trauma and PTSD
+10
I believe therapy should be a space where people feel safe, supported, and empowered to grow. I work with adults navigating anxiety, burnout, trauma, stress, relationship challenges, and life transitions. My approach is compassionate, collaborative, and focused on helping clients build insight, resilience, and meaningful change. My communication style is warm, honest, collaborative, and supportive. I strive to create a space where clients feel comfortable being themselves while also feeling challenged to grow, build insight, and make meaningful changes at a pace that feels manageable and empowering.
Available

$85/session

Warm
Open-minded
Solution oriented

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

$120/session

Authentic
Warm
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.
VirtualAvailable

New to Grow

$120/session

Specialties

First Responders/Healthcare Workers
Substance Misuse
Trauma and PTSD
+10
I am a Licensed Professional Counselor- Mental Health Service Provider. I have accumulated roughly 4 years of experiences as a clinician in community mental health with a focus on substance use treatment and co-occurring mental health concerns. I am comfortable addressing an array of concerns including depression, anxiety, trauma, substance use/ addiction, adjustment disorder, and more. I have experience treating a wide age range and am currently able to accept clients ages 13 and up. I believe myself to fulfill a client-first approach and am able to adapt to fit individual client needs, both in session and in logistics of service. I am dedicated to serving my clients at every turn and pride myself in my dedication to client-advocacy.
Available

$120/session

Solution oriented
Authentic
Holistic

Specialties

Insomnia/Sleep Issues
Life Transitions
Military/Veterans
+10
I am a dedicated mental health professional and military veteran with a deep commitment to serving fellow service members and individuals facing stressor-related issues. I am a proud graduate of the Army’s Master of Social Work program through Fayetteville State University and use my personal experience with clinical expertise to provide compassionate and effective care for my clients. My approach to therapy is rooted in empathy, collaboration, and evidence-based practice.
VirtualAvailable

$135/session

Empowering
Authentic
Open-minded

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

$125/session

Authentic
Direct
Solution oriented

Specialties

Anxiety
Child or Adolescent
Couples Counseling
+10
I’m a Licensed Marriage and Family Therapist who supports children, teens, adults, and couples navigating anxiety, emotional stress, life transitions, and relationship challenges. My style is warm, genuine, and approachable—blending professionalism with a colorful, fun, and open atmosphere that helps clients feel safe, relaxed, and truly seen in the healing process.My work focuses on creating a safe, compassionate space where clients feel understood, build emotional regulation skills, and strengthen meaningful connection—leading to greater clarity, confidence, and lasting personal growth.
VirtualAvailable

$150/session

Solution oriented
Authentic
Intelligent

Specialties

Anxiety
Depression
Trauma and PTSD
My name is Olesya Leskel and I am a Licensed Professional Counsellor with 14 years of experience helping adults, children, and couples with a variety of mental health issues, relationship concerns and life transitions. I am versed in various counseling techniques and have extensive experience working with trauma, anxiety, and depression. I take time to learn about the needs of a person I am serving to help find the best way of meeting thier hopes as they embark on a journey of healing and personal growth.
VirtualAvailable

$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.
VirtualAvailable

$75/session

Warm
Authentic
Empowering

Specialties

Anxiety
Coping Skills
Trauma and PTSD
+5
Hello, I am a therapist and social worker who strives to help my clients find improved satisfaction with life. I have been working in this field since 2006 both in outpatient and inpatient settings. If you find you are struggling currently with emotions that seem to come from your past, or fears of the future, and are ready to look for some new perspectives, therapy is likely the right place for help.
VirtualAvailable

Often rebooked

$150/session

Authentic
Solution oriented
Direct

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

$185/session

Warm
Solution oriented
Open-minded

Specialties

Trauma and PTSD
I am a licensed clinical social worker (LCSW) based in Knoxville, TN and am licensed in California. I received my masters degree from the University of Southern California and have been practicing for the past five years in community mental health. I feel it is important to create a safe, judgement free environment where clients can openly share experiences and address intimate details of life.
VirtualAvailable

$180/session

Authentic
Empowering
Warm

Specialties

ADHD
Life Transitions
Trauma and PTSD
+8
I began my career as an elementary school teacher and later went on to open and run a preschool for 10 years. Working with children and families during those seasons taught me so much about resilience, connection, and the power of being truly seen. I was a late starter in my own therapy journey, and it was one of the bravest and most life-changing decisions I’ve ever made. Through the support of incredible therapists, I was finally able to face and heal the traumas I had carried for so long. Their compassion and wisdom inspired me deeply, so much so that I returned to graduate school to become a therapist myself. My desire is simple: to help others in the ways my therapists helped me. I believe that every person has their own story and lived experiences that shape who they are. I come to each session with an open mind and heart, meeting clients where they are with compassion, curiosity, and respect. My goal is to create a space where people feel safe to explore, heal, and grow. I’ve been married to my best friend for over 25 years, and together we have an adult daughter and two beloved fur babies. Outside of the therapy room, you’ll most likely find me out in nature, kayaking, walking trails, or simply enjoying the calm. My family and I love playing all kinds of board games, and I also enjoy reading, painting, and watching movies when I need to recharge. At the heart of everything I do is a deep belief that healing happens in safe, authentic connection and I am honored every time someone invites me to be part of that journey.
VirtualAvailable

Often rebooked

$145/session

Warm
Empowering
Intelligent

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

$100/session

Solution oriented
Direct
Intelligent

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.
VirtualAvailable

$120/session

Open-minded
Warm

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

$120/session

Authentic
Open-minded

Specialties

Grief
Life Transitions
Trauma and PTSD
+4
I am a mental health therapist specializing in grief, trauma, and substance use. I have been in the field about 10 years now and in that time I have worked with many different types of people and mental health disorders. I have worked in community mental health, private practice, residential, outpatient, and higher levels of care such as PHP/IOP. I love what I do and I could not imagine doing anything else.
Available

$100/session

Warm
Authentic
Empowering

Specialties

Anxiety
Depression
Substance Misuse
+3
My name is Juanelle, and I am a lifelong resident of Northeast Tennessee committed to providing therapy services to individuals across the state. My background includes a variety of lived experiences including 24 years with Eastman Chemical Company and being a parent of two. I earned a Master of Science in Social Work from The University of Tennessee in 2009, and my professional background includes working with young adults in Sullivan County Drug Court and supporting individuals of all ages facing opioid dependence at Overmountain Recovery. Additionally, I have provided therapeutic services for children, adolescents, and their families addressing a broad range of mental health challenges through Bristol Regional Counseling, Frontier Health’s school-based therapy and mobile crisis programs. The resilience, strengths, and diverse backgrounds of those I have assisted continually inform and inspire my clinical practice.
VirtualAvailable

$120/session

Warm
Authentic
Open-minded

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

$125/session

Authentic
Intelligent
Solution oriented

Specialties

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

$100/session

Warm
Authentic
Solution oriented

Specialties

Anxiety
Child or Adolescent
Parenting
+10
Hello, I'm Rebecca, and I'm a Licensed Professional Counselor. I believe that therapy should be a place where you can truly be yourself—a space where you can come as you are with no fear of judgment. My practice is built on the philosophy that genuine connection and compassionate support are the cornerstones of lasting change. I specialize in supporting adolescents and young adults navigating the unique pressures of modern life. I work with those feeling overwhelmed by "big feelings"—emotions that often manifest as high anxiety, social withdrawal, or intense reactivity. My approach moves beyond simply managing symptoms; I focus on building true emotional resilience. By helping my clients identify and understand their internal landscape, I empower them to move from a place of overwhelm to one of confidence and self-advocacy. Recognizing that healthy development doesn't happen in a vacuum, I am equally passionate about supporting the parents navigating these transitions. I work closely with caregivers who feel exhausted, overstretched, or as if they are "walking on eggshells" at home. I provide a grounded space to troubleshoot the complexities of parenting, helping families trade daily chaos for deeper, more resilient connections. If you are looking for a collaborative partner to help your family find its footing, I invite you to reach out so we can begin this journey together.
VirtualAvailable

$115/session

Warm
Authentic
Empowering

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
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.