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 218 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: 4/26/2026

New to Grow

$125/session

Specialties

Anxiety
Depression
Trauma and PTSD
+10
I'm a licensed clinical psychologist with 17 years experience seeing a wide-variety of clients of all age ranges who have come to me with a plethora of diverse presenting concerns. I approach therapy from a collaborative perspective with the understanding that the client is in the driver's seat and my role is to serve as a navigator to help each person move in a value-oriented manner that is goal-directed.
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$85/session

Open-minded
Solution oriented
Warm

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
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$165/session

Humorous
Warm
Authentic

Specialties

Depression
Perinatal Mental Health
Women's Issues
+8
Mrs. Whiteside has worked in various mental health settings maintaining her unwavering focus on mothers and small children. As a perinatal psychotherapist, Mrs. Whiteside works with mothers and/or families who are struggling with perinatal mental illness during pregnancy and the postpartum period. Mrs. Whiteside is currently a social work doctoral student at The University of Louisville researching the impact of perinatal mood disorders, as evidence indicates that depression and other mood disorders in parents can have a harmful impact on children, including cognitive difficulties, insecure attachment, and behavioral problems.
VirtualAvailable
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$125/session

Solution oriented
Authentic
Warm

Specialties

Men's Issues
Trauma and PTSD
Women's Issues
I have been a licensed professional counselor for 15 years. I have worked with individuals with chronic illness, military veterans and their families, addiction issues, mood disorders, career counseling and coaching professionals. I am a trauma focused (EMDR trained) clinician who strives to provide support and individually tailored techniques, strategies and solutions to help you feel better quickly. I help you maximize your strengths and transform your weaknesses into strengths.
VirtualAvailable
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$135/session

Authentic
Intelligent

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.
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New to Grow

$125/session

Specialties

Anxiety
Depression
Family Conflict
+10
Hi there! I’m a Licensed Professional Counselor with six years of experience working across a variety of mental health settings. Originally from Belzoni, Mississippi, I bring both professional expertise and a strong sense of community into my work. In my free time, I enjoy exploring new restaurants, traveling, and spending quality time with family and friends. These experiences help me stay grounded and connected, which I carry into my counseling practice. As a therapist, I strive to create a safe, nonjudgmental, and nurturing environment where clients feel supported as they learn, heal, and grow at their own pace. I believe that one of the most important aspects of counseling is the relationship between therapist and client, and I am committed to building a trusting, collaborative connection with each person I work with.
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$150/session

Authentic
Warm
Direct

Specialties

Anxiety
Depression
LGBTQ
+5
Hi, I’m Rachel! I’m a therapist who is here to help you take control of your own life, with empathetic and straightforward guidance. You have the answer inside you; sometimes it just takes someone helping move away the clutter. We will work together to uncover old patterns and beliefs that have been holding you back from being your true self.
VirtualAvailable
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New to Grow

$125/session

Specialties

Anxiety
Couples Counseling
Grief
+8
I’m a Licensed Marriage & Family Therapist, and I believe therapy works best when it feels safe, collaborative, and human. I bring empathy, a sense of humor, and a strong focus on building a genuine therapeutic connection. I also believe you should set the pace for counseling — this is your space, and we move in a way that feels right for you.
VirtualAvailable
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Often rebooked

$190/session

Warm
Empowering
Intelligent

Specialties

Anxiety
Depression
Grief
+10
As a counselor, I bring over two decades of trauma-informed, emotionally intelligent, and spiritually grounded care to the people I serve. My approach blends evidence-based modalities with deep compassion, helping clients feel safe, seen, and supported as they navigate stress, pain, and life transitions. I guide clients in understanding their patterns, strengthening their inner resources, and developing practical tools for healing. The impact of our work together is often a renewed sense of clarity, resilience, and self-trust-empowering clients to move forward with greater emotional health and a stronger connection to themselves. It’s my honor to walk with my client through some of the darkest times in their lives. We will work together to find hope and healing! Also available at ZocDoc https://www.zocdoc.com/professional/beverly-mcmanus-lpc-mhsp-lcmhc-lmhc-526813?isNewPatient=false&exp_pps_default_new_patient=true
VirtualAvailable
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New to Grow

$150/session

Specialties

Anxiety
Crisis Intervention
Depression
Dynamic clinical social worker with extensive experience providing diverse perspectives for clients, human resource partners, and community members. A strong commitment to fostering mental wellness is demonstrated through impactful roles in crisis intervention and as the director of an employee assistance program, prioritizing proactive outreach and education to support individuals before challenges escalate. Engaging in company orientations, trainings, and critical incident support debriefings offers invaluable opportunities to advocate for mental health as an essential element of overall well-being. Passionate about empowering others, each interaction highlights the profound impact that compassionate support can have during life's most challenging moments.
VirtualAvailable
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$95/session

Authentic
Warm

Specialties

Anxiety
Depression
Self Esteem
+9
Hello, and welcome. Reaching out for therapy can feel like a big step, especially if you’ve been carrying a lot on your own. Many people come to therapy feeling overwhelmed, unsure where to start, or simply wanting things to feel more manageable again. My goal is to offer a space where you can slow down, feel understood, and begin making sense of what you’re experiencing. I take a collaborative, supportive approach to therapy and work to meet you where you are. Together, we focus on understanding patterns, building emotional awareness, and developing practical tools that help you feel more grounded and confident in your daily life. Therapy with me is not about judgment or pressure—it’s about clarity, growth, and meaningful change at a pace that feels right for you.
VirtualAvailable
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$115/session

Authentic
Warm
Empowering

Specialties

Anxiety
Mood Disorders
Trauma and PTSD
+5
Hello! My name is Meredith and I am a Licensed Professional Counselor and Mental Health Services Provider who has been working in this field for 12 years. I have seen a wide array of challenges that we, as humans, experience on a regular basis. While building a strong therapeutic alliance with you, we will determine together how to best navigate whatever brought you to make the courageous decision to seek help.
VirtualAvailable
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$100/session

Authentic
Warm
Empowering

Specialties

Anxiety
Depression
Life Transitions
+6
If you're a woman dealing with anxiety that won't quiet down, burnout that's become your baseline, or a nagging feeling that you've lost yourself somewhere along the way, I'd love to help. I'm a Licensed Counselor with 7 years of experience, and I specialize in working with adult women through the challenges that don't always get taken seriously: the overwhelm of balancing career and personal life, the self-doubt that shows up no matter how much you accomplish, the depression that hides behind a "high-functioning" exterior, and the stress of navigating major life transitions like new jobs, moves, breakups, or becoming a mother. I provide telehealth therapy in Florida and Tennessee, making it easy to prioritize your mental health without adding another thing to your to-do list. My style is warm, direct, and down to earth. I create a space where you don't have to perform or minimize what you're going through. Together, we'll explore the root of what's been holding you back, build coping strategies that fit your real life, and help you reconnect with the version of yourself that feels like you. Reaching out is the hardest part. If you're here, you're already closer than you think.
VirtualAvailable
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$120/session

Warm
Authentic
Direct

Specialties

Anxiety
Depression
Women's Issues
+8
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
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$165/session

Warm
Authentic
Empowering

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
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$120/session

Authentic
Direct
Intelligent

Specialties

Anxiety
Life Transitions
Men's Issues
Mr. Brown is a Licensed Clinical Social Worker who specializes in interpersonal relations and reality testing. He also utilizes various evidenced based practices that are tailored to the clients’ needs while meeting them where they are in their journey. He utilizes structures that include individual, couples, family, alternative relationships, and/or process groups. He is licensed to practice clinically in Tennessee, Florida, Indiana, Pennsylvania, Arizona, and Virginia, and has a private practice located in the heart of the Nashville Black Community. He is an avid supporter of the needs, culture, and outlook of the African American community, while operating within an African Centered framework. Mr. Brown enjoys studying, teaching, and implementing Ancient African history. He recently traveled to Accra, Ghana during the Year of Return. With over 10 years of experience providing therapy, interpersonal training, and life management. I utilize various treatment approaches including trauma resolution, solution focused therapy, and mindfulness techniques. I will walk with you along your journey, providing a comprehensive treatment plan for your success.
VirtualAvailable
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Often rebooked

$120/session

Empowering
Authentic
Solution oriented

Specialties

Anxiety
Fertility & Reproduction Issues
Perinatal Mental Health
+3
I have one main intention for all clients with whom I work and that is to reduce suffering. Suffering takes a lot of forms, from struggling with discernment, overwhelm, thoughts that cycle and cycle and cycle throughout our minds...grief of something we've had or something we want to have -- and so much more. My approach to treatment is down-to-earth, nonjudgmental, and compassionate; and is leveraged with a sense of practicality and directiveness.
VirtualAvailable
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$90/session

Solution oriented
Intelligent
Direct

Specialties

Addiction
Coping Skills
Military/Veterans
Greetings, My name is Norman Shaffer and I am a Licensed Clinical Social Worker in the state of Tennessee. I have been practicing as a social worker for over a decade now. I enjoy working with adults who are actively seeking a positive change in their life. I like to partner with clients and guide them towards better outcomes and a healthier balance in life.
VirtualAvailable
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New to Grow

$135/session

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
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Often rebooked

$115/session

Warm
Authentic
Empowering

Specialties

Anxiety
Depression
Life Transitions
+7
I’m Dr. Katherine (Katie) Crawford, a licensed clinical social worker with over 15 years of experience that combines direct clinical practice, teaching future social workers, and trauma-informed program evaluation. I help adults navigate life’s challenges with greater clarity, resilience, and self-compassion. Many of the people I work with are facing anxiety, depression, trauma, relationship struggles, or major life transitions—especially when they feel stuck in old patterns or disconnected from themselves. My approach is grounded and evidence-based, drawing from CBT, DBT, mindfulness, and attachment-focused work. In therapy, we work together to better understand your emotions, build inner stability, and reconnect with what matters most. My goal is to create a space where you feel seen, supported, and empowered to move forward—not by becoming someone new, but by returning to the truest version of yourself. If you'd like to learn more information about me- my website is: https://www.thejourneyhometherapy.com/
VirtualAvailable
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$75/session

Authentic
Warm
Intelligent

Specialties

Grief
Life Transitions
Anxiety
+3
If you are moving through a season shaped by loss, you don’t have to carry it alone. Grief does not always look like sadness - it can show up as anxiety, numbness, irritability, or feeling stuck. You may be functioning on the outside while feeling disconnected on the inside. If you are feeling stuck in your grief, I am here to meet you exactly where you are and walk with you towards growth, healing, and renewed well-being. I am a Licensed Clinical Social Worker, and I specialize in supporting adults (18+) who are experiencing grief related to death, illness, caregiving, and major life transitions. I believe grief and humor often sit at the same table. I love to laugh, bake sourdough, and pay attention to the small, ordinary things that make life feel like life. Those parts of me come with me into the work—because grief therapy is, at its heart, about living. I have sat with enough grief—my own and others’—to know that the hardest part is rarely the moment of loss. It’s the long, quiet after. It’s the empty seat at the table. My practice grew from late-night conversations with people who felt alone in their grief. From love for people and for the sacred, the human truth that our stories matter.
VirtualAvailable
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$175/session

Solution oriented
Warm
Authentic

Specialties

Anxiety
Depression
Family Conflict
+6
I’m Jenn, a Licensed Clinical Social Worker providing therapy since 2002. I specialize in anxiety, relationship stress, grief, infertility, postpartum emotional health, and major life transitions. I help adults reduce anxiety, feel more confident in their decisions, and develop practical tools they can use immediately in everyday life. I know it takes courage to reach out for support. If you’re here, you’ve already taken an important first step. I look forward to meeting you and working together toward the meaningful change you’re ready for.
VirtualAvailable
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$90/session

Humorous
Open-minded

Specialties

Anxiety
Depression
Men's Issues
+3
Life can feel incredibly heavy when anxiety or depression takes hold, but you don’t have to carry that burden alone. For the past three years I have been a therapist dedicated to helping individuals navigate these challenges by fostering a space rooted in deep compassion and empathy. I understand that reaching out is a courageous first step, and I prioritize building a therapeutic alliance where you feel truly seen and heard without judgment. In our work together, I combine this supportive environment with evidence-based tools like Cognitive Behavioral Therapy (CBT) to help you identify and shift the thought patterns keeping you stuck. My approach is collaborative; we will work at your pace to develop practical strategies for managing stress and reclaiming hope. Whether you're struggling with persistent worry or a loss of motivation, my goal is to empower you to build resilience and create a life that feels meaningful and grounded again.
VirtualAvailable
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$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
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$90/session

Warm
Solution oriented
Authentic

Specialties

Anxiety
Coping Skills
Depression
+7
I am Victoria Cruse Motter, a Licensed Professional Counselor (LPC) with over 25 years of experience working with children, adolescents, and adults facing a wide range of issues, including family conflicts, anxiety, depression, ADHD, low self-esteem, sexual abuse, substance use, chronic stress, trauma and PTSD, and women’s issues. My background includes providing counseling in various settings, such as schools, autism centers, pre-schools, juvenile justice programs, and residential group homes for youth in CYS custody. I earned my Master's Degree in Counseling from Pennsylvania State University. I pride myself on being a personable counselor who easily establishes rapport with clients. I focus on being person-centered, actively listening, and genuinely caring about each individual’s journey. I encourage honesty and patience throughout the counseling process. I am excited to begin your journey toward healing and the therapeutic process of counseling. Together, we will create a personalized treatment plan to help you navigate the tough issues in your life with grace.
VirtualAvailable
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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 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.