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 255 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: 9/2/2026

$100/session

Authentic
Warm
Empowering
Specialties
Anxiety
Child or Adolescent
Coping Skills
+5
Katherine spent the majority of her therapeutic career in a community based setting meeting with youths impacted by substance abuse, alcoholism, mental health and co occurring disorders within their homes and community’s. Katherine has worked with these youth and their families to help mend the ties that substance use has broken. Before starting her own practice, Katherine was a school social worker for youth and young adults with emotional, cognitive and other health impairments.
VirtualAvailable

New to Grow

$100/session

Specialties
Anxiety
Chronic Illness
Depression
+7
Are you feeling overwhelmed or uncertain about your path forward? You don’t have to face it alone. With years of experience and training, I offer compassionate support to help you navigate through life’s toughest challenges. Whether you’re dealing with relationship issues, stress, trauma, or the weight of grief and loss, I am here to listen and guide you toward healing. I also specialize in supporting individuals struggling with depression, anxiety, family conflict, body image, self-esteem, substance abuse, and domestic violence. Together, we’ll work to create a safe space where you can heal, grow, and rediscover your strength. My name is Samantha McKnight, and I am a master’s level clinician with an LPC-MHSP license. I have been working in the mental health field for seven years. I provide a safe, supportive, and non-judgmental environment for my clients. I believe in working as a team and allowing clients to set the pace throughout treatment. Regardless of what you are facing, you don’t have to face it alone. In a safe, supportive space, we will work collaboratively to help you heal and find clarity. Together, we’ll explore your challenges and work toward meaningful change. It’s okay to ask for help—let’s take the first step toward a brighter, more balanced future. Reach out today.
Available

New to Grow

$160/session

Specialties
Anxiety
Eating Disorders
Self Esteem
+9
I use a client-centered, psychodynamic approach to help clients reconnect with their deeper sense of self and wholeness. I am especially passionate about helping clients connect to the truth of who they are and identifying the stories and experiences that have shaped them. I work well with clients who are motivated to figure out what's in their way and take steps to create change.
Available

$120/session

Warm
Authentic
Empowering
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

Often rebooked

$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

$120/session

Authentic
Empowering
Open-minded
Specialties
Anxiety
Depression
Grief
I’ve faced life’s challenges firsthand, and I understand how heavy anxiety, grief, trauma, or major life transitions can feel. My goal as a therapist is to create a safe, compassionate space where you can be your authentic self while working toward real, lasting change. I believe therapy works best when clients feel both supported and empowered. ​ My approach is warm, authentic, and occasionally direct when needed, combining compassion, practical tools, and gentle guidance. I aim to help clients feel empowered to take the steps that matter most in their lives, while also feeling supported throughout the process. Therapy here isn’t about “fixing” you, it’s about helping you discover your own strength.
Available

$100/session

Warm
Authentic
Intelligent
Specialties
Anxiety
Trauma and PTSD
Women's Issues
+13
Do you find yourself overwhelmed with the competing priorities of daily life? Stuck in unhealthy patterns such as overuse of alcohol, procrastination, or emotional eating? Are your days spent battling perfectionism and negative self-talk? Would you like to be more active socially but struggle with anxiety or feelings of low self-worth? Hi. I’m Kay. Congratulations on taking the first step toward living your best life! I am a Licensed Clinical Social Worker in the state of Tennessee with 17 years of experience providing psychotherapy, assessment, and referral services to adults, children, and families. Additionally, I am a certified Neuropsychotherapist, specializing in the integration of neuroscience into transformative therapy. Common areas of practice include anxiety and depression management, women's issues, support with the management of chronic health conditions, minority stress, trauma, relationship difficulties, and grief/loss. It takes courage to choose a path of self-discovery and healing. But you don’t have to walk this path alone. Whether you are seeking assistance with managing an ongoing mental health issue, or are seeking solution-focused therapy to deal with a specific problem, I'm here to help
VirtualAvailable

New to Grow

$200/session

Specialties
Anxiety
Depression
Trauma and PTSD
+10
As a psychotherapist with a wealth of experience working with individuals in diverse environments, I’m deeply committed to assisting clients in overcoming life’s challenges, such as stress, anxiety, and relationship difficulties. My expertise lies in supporting those dealing with anxiety-related disorders, OCD, self-harm, and body-focused repetitive behaviors like skin picking and hair pulling. I employ a range of evidence-based therapy models, carefully customized to address the unique needs of each client.
Available

$99/session

Warm
Authentic
Solution oriented
Specialties
Anxiety
Self Esteem
Women's Issues
+4
Welcome! Feeling stuck? Exploring what it means to live authentically? A woman seeking to create deeper/improved connections in relationships or your marriage, a mother striving for balance, or someone navigating a specific challenge. If so, I’d love to help. I’m Jenny, a 45y/o Licensed Professional Counselor with over 17 years of experience. I grew up in Middle Tennessee, surrounded by animals and Faith. Parents owned veterinary practices, mom served as a youth director, instilling in me a love for animals and a strong Christian Faith. Married 22 years to a wonderfully supportive husband. Marriage can be challenging, but I believe it’s one of life’s most rewarding journeys when approached with unconditional love and commitment. Together, we’ve weathered highs and lows, and through it all, I’ve learned every challenge is just data and an opportunity for growth. Blessed with two intelligent and vibrant daughters who keep life interesting and continually teach me about resilience, perspective, and love. Since early teen, I’ve been “go-to” person for friends and family during struggles, which inspired my passion for counseling. Hold Bachelor’s in Psychology from UTK, and Master’s in Counseling and Human Development. I’ve worked in diverse mental health settings, including women’s prisons, crisis units, inpatient, outpatient, substance abuse, and private practice. These experiences have equipped me to work with a diverse range of clients and issues. Rest assure—nothing you share will shock me! I believe you are your own best counselor and know yourself best. My role is to guide you, provide reassurance, and equip you with tools to help you navigate life’s challenges with confidence and resilience. Together, we’ll create a safe and meaningful space to process your experiences, explore solutions, and rediscover your balance. Ready to embrace growth and find your balance? I’d be honored to support you on this journey!
VirtualAvailable

$40/session

Empowering
Authentic
Warm
Specialties
Anxiety
Bipolar Disorder
Trauma and PTSD
+1
Hello! I am a licensed professional counselor with mental health specialization residing in Tennessee. I became involved in working with both teens and adults who have been abused or traumatized after seeing how much it can impact their lives. Having experienced trauma myself, I have a special sensitivity to those who are trying to work through the abuse, trauma, and grief they have experienced. I look for strengths in my clients and strive to show them how much control they have over their lives and the choices they will make to bring normalcy, love, hope, and laughter back into their lives. While therapy can be challenging, it can also be amazing. I used to be a person who could not understand how talking to a stranger could help, but I was so surprised and I can honestly say it changed the whole trajectory of my life. If you are reading this, you are thinking about it and that's great! Even if you should choose someone else, the important thing is that you are about to take a huge step in bringing positive change into your life. That takes strength! Good luck!
VirtualAvailable

$150/session

Solution oriented
Warm
Authentic
Specialties
Coping Skills
Older Adults
Women's Issues
+5
My goal is to help my clients uncover their innate resiliency that will help them meet the life challenges before them. I will help my clients reach the unique goals that contribute to mental wellness. Areas of Focus: Life Transitions including Aging & Seniors Relationships including Parenting Clients & Families Impacted by Cancer Grief & Loss Financial Stress and Anxiety Depression Women's issues CURE childhood cancer provider Jill Sebaugh is a Licensed Clinical Social Worker in Georgia with over 25 years of experience in the mental health field. Her areas of focus include anxiety and depression, stress management, parenting, grief and loss, financial stress and anxiety, relationship issues, and life transitions including aging. In addition to her work with adults, parents, and families, Jill enjoys working with seniors and clients and families impacted by cancer. Jill has served as a parent educator for a large multi-county community service board, as a school counselor for alternative middle and high school students, and as the first domiciliary pediatric oncology social worker at St. Jude Children’s Research Hospital in Memphis, TN. Jill has been a presenter at multiple national and international conferences discussing her use of Narrative Therapy through the medium of scrapbooking with families of pediatric oncology patients. Jill’s research on this same subject matter is published in the Journal of Psychosocial Oncology. Jill is a Certified Financial Social Worker (CFSW) and has also been credentialed as a Board Certified-TeleMental Health provider (BC-TMHP) since 2018.
VirtualAvailable

$95/session

Empowering
Warm
Direct
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

$100/session

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

$125/session

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

$120/session

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

$115/session

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

$130/session

Warm
Authentic
Empowering
Specialties
Anxiety
Eating Disorders
Trauma and PTSD
+5
It takes courage to reach out for help. I am passionate about partnering and walking alongside others in some of their most difficult moments to help them reach a sense of hope and healing. I believe we are designed to heal. My greatest priority is creating an atmosphere of safety where my clients can feel seen, heard, and understood. There may have been places in your story where you learned tools to help you survive and those tools are no longer helpful but actually keeping you from living from a place of wholeness.
VirtualAvailable

$100/session

Authentic
Warm
Open-minded
Specialties
Anxiety
Couples Counseling
Spirituality
+9
I have 25 years experience working with all different populations. The learning/ change process doesn't have to be complicated/ unpleasant. "Not sure what to do"? "Need someone to talk to"? Who doesn't? An objective unbiased outside view on anything can be helpful for anyone/ any situation- am I right? Your comfort comes first! I have the skills, experience, and tools to help you with whatever you need or help you figure out what it is you even need.
VirtualAvailable

$120/session

Open-minded
Warm
Direct
Specialties
Addiction
Family Conflict
Trauma and PTSD
+1
Hello and thank you for taking the time to reach out! Do you ever have those days when things are especially difficult?? Many of the people that I meet are looking for support with mental health, substance abuse, and managing traumatic events. I'm a Licensed Clinical Social Worker as well as a Certified Alcohol and Drug Counselor. I also have extensive experience supporting teenagers who have experienced trauma, which led me to become a Certified Clinical Trauma Professional. Currently, I work with adults and youth, and I'm a strong believer in the mental/physical health connection. I am currently a social worker for a small hospice team in my area so am comfortable having uncomfortable conversations. I believe in strengths-based recovery that looks at all the systems that can impact us. Bits and pieces of different models incorporated together tend to have the most benefit, based on the person's needs. I have seen so many great successes! I enjoy supporting the people I work with and going through their journey with them. I am currently licensed in both IL and TN. When I am not in sessions, you will find me hiking with the doggos, road-tripping in the Jeep, and going into "Mom Mode" with my three kids. I look forward to connecting with you :)
VirtualAvailable

$125/session

Authentic
Warm
Empowering
Specialties
Anxiety
Coping Skills
Mood Disorders
My name is Stacey Wrightsman! I am a licensed professional counselor (LPC-MHSP) in Tennessee. Reaching out for help is a brave step. Perhaps you are looking to talk to someone but you are unsure about what it is you are wanting from therapy. If that describes how you feel, I want you to know that this is perfectly okay. We can work together to create a list of goals for your therapy experience. I specialize in helping people with concerns about their mood, adjusting to life changes, addiction, and more. Please be advised that I see patients every other week as I also work rotations at a psychiatric hospital.
VirtualAvailable

$140/session

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

$130/session

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

$120/session

Warm
Authentic
Empowering
Specialties
Anxiety
Depression
Trauma and PTSD
+7
Do you struggle with feeling “good enough”? Are you sick of feeling overwhelmed, exhausted, and stressed? Do you feel like some days you are just going through the motions or barely have your head above water? I specialize in helping people understand themselves better so that they can actively work towards healing. I am passionate about helping individuals that struggle with anxiety, traumatic events, perfectionism, overthinking, fear, life transitions, and faith based concerns.
VirtualAvailable

$90/session

Authentic
Solution oriented
Intelligent
Specialties
Anxiety
Depression
Trauma and PTSD
+9
Hi im Greg Kirkham! Im a licensed therapist, practicing for over 21 years. I specialize in treating trauma. Now, you may be saying “but I don’t have trauma!” Trauma comes in all shapes and sizes and is often not recognized as such, but almost always has a significant impact on someone’s overall mental, physical and emotional health. Trauma also presents in many different forms, including struggles with depression, anxiety and anger management. Over my career I have worked with an array of populations, including children/families, juvenile sex offenders, and even convicts. Currently, I serve those who served us as a therapist with the VA in middle TN. Over the past seven years, I’ve seen evidence-based treatments work wonders with PTSD and trauma in our veterans. With GrowTherapy, I’m now able to provide these and other treatments to YOU! Whether you’re not real sure or highly motivated to get help, I’d love to discuss options and see if we’re a good fit! Thanks for reading and congratulations on taking the first step towards a healthier and more fulfilling life!
VirtualAvailable

New to Grow

$125/session

Specialties
Anxiety
Couples Counseling
Depression
+9
I am an LCSW and LISW licensed in multiple states the the midwest and the south. I see all of my clients on line for now. I love to provide a safe and comfortable environment for people to share their problems and issues with me. I believe in meeting people where they are, regardless of race, gender, or social/economic status. I work mostly with young adults struggling with life challenges such as relationship issues, job stress, self esteem, and substance abuse issues. I also have a specialty in working with people with Borderline Personality Disorders, and helping others who may have a parent or loved on with BPD. I believe in being honest, protecting my client's privacy, and following therapeutic approaches based on evidence based practice.
Available
Frequently asked questions

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

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

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

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

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