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 248 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:

$100/session

Authentic
Warm
Empowering
Specialties
Anxiety
Life Transitions
Obsessive-Compulsive (OCD)
+6
Is life feeling messy? Are you ready to take charge of your thoughts, emotions and behaviors? It can seem overwhelming when asking yourself "Where do I begin?". I'm happy to walk alongside you to provide support and guidance while building your skill set and coping skills to feel more grounded and stable. Hi! I'm Ashley Richmond, a therapist in the Tennessee community working with individuals navigating their life journey. At the heart of my practice is a commitment to providing non-judgmental support, a safe space to communicate openly, and evidenced based treatment interventions.
VirtualAvailable

$130/session

Authentic
Warm
Open-minded
Specialties
Anxiety
Depression
Life Transitions
+5
It's often difficult to know what you want and to pursue what you want. Especially, if broken patterns and negative family cycles are making you feel stagnant. There is an excitement that comes from building your own self-assurance and confidence as you stand securely in the story you want to live. Sometimes we wait to change our story because we don't feel ready. My hope is that we can all have the wisdom and courage to explore ourselves with compassion so that we can better love ourselves and love others. Let's create a foundation that allows us to live balanced personally, professionally, and relationally.
VirtualAvailable

New to Grow

$100/session

Specialties
Anxiety
Depression
Life Transitions
+3
Welcome! I’m Porcia Seals, founder of Vision Space Therapy and Wellness Center. I support women navigating anxiety, depression, grief, stress, relationship concerns, and life transitions. I view therapy as a collaborative partnership where we work together to understand your experiences and identify what you need to move forward. My approach draws from humanistic, existential, and strengths-based perspectives. My faith in God also shapes how I understand healing, resilience, and personal growth. I believe every woman deserves a space where she feels seen and understood. My hope is to help you reconnect with yourself and discover what a meaningful and fulfilling life looks like for you.
Available

$175/session

Authentic
Empowering
Holistic
Specialties
Anxiety
Depression
Trauma and PTSD
+8
I am a Licensed Marriage and Family Therapist (LMFT) in both states of CA and TN with a deep passion for working with people from diverse backgrounds. I believe every human being deserves to be seen and live in a way that brings about peace, self-love, and a positive self-image. This can be difficult when the messaging around us is in direct contradiction to knowing our worth and we may end up feeling isolated and alone. My hope is to provide you with the support we all deserve in order to live as fully as possible through an exploration of your own needs and an identification of tools, resources, and supports to validate those needs. I believe we all have an inherent birthright to exist in peace and that is what I strive to support my clients in achieving in their minds, hearts, and ultimately their lives.
VirtualAvailable

$120/session

Warm
Solution oriented
Authentic
Specialties
Anxiety
Depression
Women's Issues
+7
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

$180/session

Authentic
Empowering
Open-minded
Specialties
Attachment Issues
Sexual Abuse
Trauma and PTSD
Hello! I’m a Licensed Marriage and Family Therapist with over 15 years of experience, and I consider it one of my greatest privileges to walk alongside clients as they navigate their journey toward healing, growth, and greater self-understanding. I believe deeply in the power of hope—especially during seasons of life when hope can feel difficult to find or hold onto. My goal is to create a warm, welcoming therapeutic space where you feel truly seen, heard, and respected. I believe meaningful change begins with a strong therapeutic relationship built on trust, compassion, and collaboration. Together, we’ll work toward understanding your experiences, navigating life’s challenges, and creating healthier, more connected relationships—with yourself and with others.
Available

$100/session

Warm
Empowering
Authentic
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

$140/session

Warm
Authentic
Intelligent
Specialties
ADHD
Anxiety
Depression
+8
I'm a therapist specializing in ADHD, anxiety, depression, relationship issues, medical trauma and chronic illness, as well as recovering from toxic or narcisstic relationships. I collaborate with clients to create an individualized plan of care using modalities to best fit their needs. My approach is compassionate, collaborative, and draws from evidence-based practices like ACT, DBT, attachment-based work, and Gottman therapy to help you better understand yourself, improve your relationships, and build practical tools for navigating life’s challenges. You don’t need to have everything figured out before starting, just a willingness to show up and explore what change could look like for you. I will help guide you with the rest.
Available

New to Grow

$130/session

Specialties
Life Transitions
Obsessive-Compulsive (OCD)
Trauma and PTSD
+7
Hi, I'm Audrie! I am a Licensed Clinical Social Worker who has been in the mental health field for 7 years. I enjoy working with individuals who are on a journey of self-discovery and change. Maybe you know where you want to go or maybe you just know that you are tired of standing still, either way I would love to support you as you navigate what comes next.
Available

$75/session

Authentic
Empowering
Warm
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

$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

$130/session

Authentic
Warm
Solution oriented
Specialties
Anxiety
Depression
Trauma and PTSD
+10
You’re used to handling a lot. Whether it’s your career, your relationships, or being the person others rely on, you’ve learned how to push through—even when it’s exhausting. But at some point, pushing through stops working. I work with adults who are navigating anxiety, burnout, trauma, and relationship patterns—especially when life looks “together” on the outside but feels overwhelming or unsustainable underneath. Many of my clients are thoughtful, capable, and self-aware, yet find themselves stuck in cycles like overthinking, people-pleasing, or feeling disconnected from themselves or others. My approach is trauma-informed, relational, and grounded in evidence-based practices, including Cognitive Behavioral Therapy, Dialectical Behavior Therapy, and attachment-based work. In our sessions, we’ll look at both the deeper patterns shaping your experiences and the practical strategies that help you feel better day-to-day. Clients often come to therapy wanting relief from constant stress or mental overload. Over time, they develop a clearer understanding of themselves, stronger boundaries, and the ability to respond to challenges with more focus and confidence. I’m active and engaged in the therapy process. I won’t just sit back and listen. I help you connect the dots, notice patterns in real time, and build tools that actually translate into your daily life. I bring 5 years of experience in community mental health, working with children, adolescents, and adults. Clients often describe me as calm, steady, and easy to talk to—while also helping them move forward in meaningful ways.
VirtualAvailable

New to Grow

$100/session

Specialties
Anxiety
Depression
Life Transitions
+5
I’m Sherrika Grandberry, a Licensed Professional Counselor (LPC-MHSP) with a passion for helping individuals navigate life’s challenges and create meaningful change. I provide a welcoming, supportive, and judgment-free space where clients can feel comfortable showing up as they are. My goal is to help individuals better understand themselves, work through challenges, recognize their strengths, and develop tools that support their personal growth and emotional well-being. I believe therapy is a collaborative journey, and I’m here to meet you where you are while helping you move toward where you want to be.
Available

New to Grow

$128/session

Specialties
Anxiety
Depression
Insomnia/Sleep Issues
+7
Hi, I’m Ashella Fletcher, a Licensed Clinical Social Worker (LCSW) licensed in Florida, Tennessee, and Kentucky. I have several years of experience in behavioral health and help people work through anxiety, grief, trauma, and difficult life changes. I’m warm and easygoing, and I want you to feel comfortable being yourself as we talk through what’s weighing on you and find practical ways to cope.
Available

$150/session

Holistic
Authentic
Solution oriented
Specialties
Addiction
Anxiety
Depression
+4
Welcome! I am a Licensed Clinical Social Worker (LCSW), alumni/graduate of the University of Tennessee, Knoxville (2002, 2004). Over the years, I’ve provided therapy and coaching to diverse populations, drawing from my background as a former coach, athlete, and ministry/chaplain to offer a grounded, relational, and purpose-driven approach to care. My style is empathetic, compassionate, and engaging — blending clinical expertise with coaching, accountability, and practical tools to meet clients where they are. I take a holistic approach to wellness, addressing mental, physical, and spiritual health, with a specialization in Faith-Based (Judeo - Christian) integration. Neurodivergent-friendly and committed to creating a respectful, supportive space for growth and healing, including for First Responders, those in Ministry, or dealing with Religious, Spiritual Abuse, and Trauma. Please read the full description before booking. Thank you for your consideration — I look forward to the possibility of working together. כֹּ֣ל הַ֭נְּשָׁמָה תְּהַלֵּ֥ל יָ֗הּ הַֽלְלוּ־יָֽהּ
VirtualAvailable

$135/session

Authentic
Warm
Empowering
Specialties
Coping Skills
First Responders/Healthcare Workers
Trauma and PTSD
+10
I am committed to providing quality mental health services for the entire family. The goal is to create a safe and respectful space for the self-discovery of strengths that promote healing and wholeness in every area of life. I am a qualified mental health professional, as a licensed master's level clinician I have over thirty years of varied experience working in social services with women, with first responders, educators, families, child welfare and diverse communities to foster wellness; I have nine years of private practice with a specialty of trauma, grief, and loss. I have committed my professional and personal life to work and care for at-risk populations, the emotionally challenged, and the displaced. I enjoy the service of empowering individuals to live productive; holistic lifestyles. - Allysa Hupko, MA, LSCSW, LCSW
VirtualAvailable

$150/session

Warm
Authentic
Empowering
Specialties
Anxiety
Chronic Illness / Medical Issues
Life Transitions
+4
You look like you’re holding it together, but inside you feel overwhelmed, anxious, or disconnected. I help individuals and couples manage anxiety, burnout, relationship stress, and life transitions so they can feel calmer, more connected, more in control, and more like themselves. Over 130 clients have rated their experience working with me 4.9/5. My approach is supportive, practical, and focused on helping you create real change—not just talk about problems in a way that feels meaningful.
VirtualAvailable

$65/session

Warm
Authentic
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

Often rebooked

$150/session

Warm
Open-minded
Authentic
Specialties
ADHD
Anxiety
Depression
+9
I am a Licensed Marriage and Family Therapist (LMFT) who is trauma-informed and deeply passionate about the healing that can take place within the therapeutic relationship. I believe therapy can be truly life-changing, and it continues to amaze me what can unfold in the course of a single hour when someone feels safe, seen, and supported. At the heart of my work is the belief that life is about connection—that relationships are what give our lives meaning and are often the reason we get up each day, whether those connections are with partners, family, friends, or ourselves. My goal is to help clients strengthen these relationships, heal from past wounds, and experience greater emotional safety, understanding, and fulfillment.
VirtualAvailable

$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

$70/session

Warm
Authentic
Open-minded
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

Often rebooked

$175/session

Solution oriented
Warm
Empowering
Specialties
ADHD
Anxiety
Autism
+6
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

$150/session

Authentic
Direct
Intelligent
Specialties
Depression
Grief
Life Transitions
+2
I have over five years of experience supporting individuals from all walks of life, with a focus on depression, anxiety, parenting challenges, military culture and experiences, and life transitions. My approach is collaborative, strengths-based, and grounded in creating a safe, supportive, and nonjudgmental space where you feel heard and understood.
Available

$125/session

Authentic
Warm
Intelligent
Specialties
Anxiety
Life Transitions
Self Esteem
+7
Hello, I am so glad you are reaching out. It takes courage to ask for help and I know that is not always easy and I am proud of you for taking the first step! I am a Licensed Professional Counselor with 22 years of counseling experience. I am here to support you on your journey towards mental health and well-being. I provide a safe and compassionate space for you to explore your thoughts, feelings, and experiences. My clients often struggle with the "unknowns" of life and I like to help people feel more comfortable with the unknown and to trust the process of life.
VirtualAvailable

$85/session

Solution oriented
Authentic
Intelligent
Specialties
Anxiety
Couples Counseling
Trauma and PTSD
+7
Hello there! I believe that a person can change. I also beleive that each person deserves to feel heard and respected. My goal for you is to feel as though you can work through your issues and learn to manage your life, be content with who you are, and be happy. I work with individuals to remediate any number of issues in their lives, to make decisions, and to manage difficult cognitive or emotional experiences. I work with couples to learn to address conflict, learn new skills, and learn how to live lives together. I think of counseling as a process where you and I build a relationship and work together to address whatever issues are impacting you. I'm a holistic counselor, meaning that I will help you explore multiple aspects of your life, including how you engage socially, how you think about situations, how you manage or express your emotions, your behaviors and skills, the quality of your interactions with family and friends, and other areas. I believe that we all have untapped resources, both internal and external, that we can use to make our lives better. In terms of my background, I have worked in non-profit and two private practice environments. I have also served as a faculty member in clinical mental health counseling programs since 2011. I train future generations of counselors to work with people. I hold several licenses and certifications. I am a Nationally Certified Counselor as well as a Licensed Mental Health Counselor in Florida and a Licensed Professional Counselor in Tennessee. I am also a Qualified Supervisor in Florida. I have published several manuscripts, a book on the assessment and treatment of trauma and I have current works in press. conventions.
VirtualAvailable
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.