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 198 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: 12/14/2025

$100/session

Authentic
Solution oriented
Open-minded

Specialties

Couples Counseling
Grief
Military/Veterans
+10
Hello, I am a Licensed Marriage and Family Therapist. I am Licensed in the State of Tennessee and North Carolina. I have been practicing as a counselor for the past 4 years however I have been providing counseling services as a Military Chaplain for 20 years and have retired from the Military after over 30 years of service. I see individuals, couples, and families from all walks of life going through many difficult situations. I have walked with them through times of grief, anxiety, loss, separation, suicidal thoughts, etc. I have seen how choosing the right therapist can help a person get through, from the person's perspective, some of life’s hardest times.
VirtualAvailable
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New to Grow

$115/session

Specialties

Child or Adolescent
Parenting
Trauma and PTSD
+10
I bring over 12 years of experience helping children and adults navigate life’s challenges, including addiction, trauma, parent-child conflicts, marital and family issues, anxiety, depression, grief, and major life transitions. My background in Trauma-Focused Cognitive Behavioral Therapy (TF-CBT) and Eye Movement Desensitization and Reprocessing (EMDR), along with other evidence-based approaches, allows me to tailor therapy to your unique needs. My goal is to help you build a sense of stability, hope, and authenticity as we work together toward meaningful change.
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Frequently rebooked

$100/session

Intelligent
Authentic
Empowering

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!
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$150/session

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.
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$145/session

Warm
Humorous

Specialties

Anxiety
Foster Care/Adoption
School Issues
+8
Our past experiences often influence how we view ourselves and interact in relationships. Sometimes, those patterns stem from pain and continue to affect us in ways that can keep us feeling stuck or disconnected. If you’re seeking healing and growth with a desire to or break negative cycles and are ready for change, I’d be honored to help you navigate what comes next and walk alongside you.
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$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.
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$150/session

Authentic
Warm

Specialties

Anxiety
Bipolar Disorder
Depression
+10
Hello, my name is Shamicka Cannon, LCSW, and I am passionate about walking alongside individuals and families as they navigate life’s challenges. My goal as a therapist is to provide a safe, supportive, and nonjudgmental space where you feel seen, heard, and empowered to create meaningful change. I believe healing and growth happen when we learn to understand ourselves, challenge unhelpful patterns, and embrace healthier ways of living. I work with children, adolescents, and adults who are experiencing challenges such as: Anxiety, depression, and trauma Behavioral difficulties and emotional regulation struggles in children and teens Life transitions, stress, and relationship challenges Grief, loss, and unresolved pain from the past Individuals seeking personal growth, healing, and stronger coping skills Whether it’s a young person learning to manage emotions, an adult working through stress and trauma, or a family striving for stronger communication, I tailor my approach to meet each client where they are. Through our work together, my clients gain: Clarity and self-awareness about their thoughts, emotions, and behaviors Practical tools and coping strategies to manage stress, anxiety, and difficult emotions Healing and resilience in the face of past trauma or current challenges Improved relationships through healthier communication and boundaries Confidence and empowerment to live in alignment with their values and goals Ultimately, my mission is to help clients feel more in control of their lives, more hopeful about their future, and more connected to themselves and others.
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$120/session

Warm
Authentic
Solution oriented

Specialties

Grief
Life Transitions
Military/Veterans
+1
Hello! I'm Patricia. Thank you for visiting my profile. Grief enters our lives uninvited and its impact can continue to effect us for years. It may have been the death of a loved one, either recent or long ago. It may have been a divorce or the break up of a romantic relationship. It may have been the loss of a treasured pet, or any of the more than forty other losses that a person can encounter in a lifetime. Regardless of the cause of your broken heart, you know that life is not as happy or fulfilling as you want it to be. Often, well-meaning people say to "be strong" or "just give it time" which can leave us feeling like we are doing something wrong or should feel differently. Sometimes, we simply tuck our feelings away, hoping that they will eventually disappear. In our sessions, we will uncover the misinformation and beliefs that keep us stuck and unhappy. Unresolved grief stems from the things we wish we'd said or done differently, better or more. You will learn how to discover and communicate those unsaid things, so that they no longer limit you or affect your capacity for happiness.
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$115/session

Specialties

Child or Adolescent
Grief
Trauma and PTSD
+4
Minds are designed for thinking and it is human nature to make connections with others. I am dedicated to helping a client slow down to contemplate, explore, and become self-aware of their own needs, personal well-being, interests, strengths and how to relate to others. I will help clients create spaces and opportunities to practice emotional regulation, explore difficult situations, provide therapy for previous history of trauma and loss, and begin or continue a healing journey.
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$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.
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$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.
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$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.
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$100/session

Authentic
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.
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$125/session

Authentic
Open-minded

Specialties

Anxiety
Depression
Perinatal Mental Health
+6
Hi, I am LaTisha also known as "TishatheTherapist". I am a Licensed Professional Counselor, Mental Health Service Provider ( LPC,MHSP) dedicated to creating a safe, judgment-free space where women can openly explore their emotions. Being a women's mental health specialist, my approach is built on three pillars: a secure environment to share your story, practical education for empowerment, and the genuine compassion needed to persevere through tough times.
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Frequently rebooked

$150/session

Open-minded
Intelligent
Authentic

Specialties

Fertility & Reproduction Issues
Grief
Trauma and PTSD
+7
My personal experiences with significant life changes and medical trauma have fueled my passion for helping others as a Licensed Clinical Social Worker and Certified Grief Counselor. My approach is rooted in empathy and authenticity. I specialize in helping you build a deeper relationship with yourself so you can heal from the past and step into a more authentic life. My commitment is to create a safe space where you can learn to love, honor, and appreciate yourself, even in the midst of your most difficult challenges.
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$150/session

Holistic
Authentic
Warm

Specialties

Addiction
Anxiety
Depression
+4
כֹּ֣ל הַ֭נְּשָׁמָה תְּהַלֵּ֥ל יָ֗הּ הַֽלְלוּ־יָֽהּ Welcome! With a Master’s in Social Work from the University of TN Knoxville in 2004, I've practiced therapy extensively with diverse populations. My empathetic, compassionate style blends coaching, accountability, and passion, meeting clients where they are. I embrace a holistic approach to wellness, focusing on mental, physical, and spiritual health, specializing in a Faith-Based (Christian) perspective. Neurodivergent friendly. Please read full description before booking. Grateful for your consideration!
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$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.
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Frequently rebooked

$150/session

Authentic
Solution oriented
Warm

Specialties

ADHD
Anxiety
Trauma and PTSD
Being a Licensed Marriage and Family Therapist . I have been fortunate to work with individuals, children and families for over the past 14 years. I have had the advantage of working in a field that brings me fulfillment as I get the opportunity to help others work through life's challenges. It is a true honor for someone to allow me into their life. I am so thankful I can work with them to navigate their healing journey.
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$100/session

Open-minded
Warm
Direct

Specialties

Anger Management
Anxiety
Trauma and PTSD
+6
I work with adults who are struggling with effects of trauma, grief, anxiety, depression, low self-esteem, anger, and other issues. I want to provide a safe and supportive space for you to grow as you work toward your goals. Whatever situation you find yourself facing, you have value and worth. As a therapist, I have practiced in medical, in-home, and outpatient settings. Feel free to reach out with any questions.
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$175/session

Authentic
Open-minded
Solution oriented

Specialties

Anxiety
LGBTQ
Mood Disorders
+6
I’m Amanda, a Licensed Professional Counselor with over 15 years of experience helping adults create meaningful change in their lives. I specialize in working with the LGBTQIA+ community and supporting clients with mood disorders, identity concerns, and life transitions. My approach is collaborative and affirming, drawing on Cognitive Behavioral Therapy, Acceptance and Commitment Therapy, and Reality Therapy to provide both practical tools and a safe space for growth. Together, we’ll focus on helping you feel more balanced, connected, and empowered to live in alignment with your values.
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New to Grow

$175/session

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.
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$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.
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$105/session

Warm
Humorous

Specialties

Anxiety
Depression
Life Transitions
+9
I am a licensed professional counselor in the state of Tennessee. I received my bachelor’s degree in Psychology and master’s degree in Clinical Mental Health Counseling from the University of Alabama in Birmingham. I have worked in all types of settings, such as intensive in-home, outpatient, and inpatient. I have expertise in women’s issues, life transitions, anxiety and depression. My knowledge and experience in these settings makes me qualified to assist you in these areas.
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$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.
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$125/session

Empowering
Solution oriented
Intelligent

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.
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Frequently asked questions

Why filter by Tennessee rather than a city like Nashville?

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

Will my therapist take insurance?

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

How does the Specialty Filter work? Can I find a therapist that focuses on a specific issue?

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

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.