How do I Pay for a Therapist Without Insurance

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Paying for therapy can get expensive. The price of a therapy session can range from $5.00 to $300.00. Don’t let that stop you from looking however, as taking care of your mental health is essential. One way to get money for therapy is looking into title loans.

Here at LoanMart we know that emergency cash from title loans may give you the money you need to pay for an emergency, including an unscheduled session with your therapist1. The process for getting a title loans from LoanMart can be stress free, and simple. There are also several ways you can get discounted, or even free, therapy, as well.

How can I get low-cost therapy?

Depending on your situation, there may be a number of circumstances that allow you to get therapy at a reduced price:

  • Student Discount: Are you a student? Your campus may have free mental health resources available to you. Even if those have limited availability, you may be able to get a student discount at other doctor’s offices.
  • Pastoral Counseling: Are you part of a religious community? Receiving counseling from a trained minister usually comes at little or no cost.
  • Graduate Schools or Teaching Hospitals: Are you near either of these? If so, you may be able to take advantage of the fact that people training to be social workers, psychologists, etc. need considerable on-the-job experience for their license. This means a session will often be offered at a steep discount, or even free. The quality of care should be comparable to a fully-licensed therapist, because they will be supervised by a licensed practitioner.
  • Employee Assistance Program (EAP): This is a type of program that companies offer to help employees get basic counseling services. Not only will they be able to set you up with a number of different mental health counselors like bereavement counselors, trauma counselors, stress-management coaches, etc., they may cover the cost of your first few sessions.

You may be able to find discounted services with licensed counselors by asking about:

  • Sliding Scales: Some therapists charge on a sliding scale. To determine how much to charge you, they’ll ask you questions about how much you make and how much you think you can afford. Based on that, they’ll determine a price for you.
  • Group Therapy or Support Groups: These can cost as little as a quarter of what individual therapy costs. Support groups, which focus on community and education, can even be free.
  • Online Therapy: Sessions over the internet can be much cheaper than in-person therapy session because the therapist doesn’t have as much overhead, no office, insurance, staff, etc.
  • Multi-Therapist Practices: Larger practices can offer lower rates because the overhead, staff, insurance, office, etc. are divided among several practitioners.

How do I get free therapy?

Let’s say even with a sliding scale you still can’t afford your therapy. What are your options then?

  • Pro Bono Sessions: Part of the therapist code of ethics requires them to occasionally put forth a helping hand to people in need. You can contact therapists about becoming a pro bono client. You’ll have the best chance if you can convince them that you are committed to solving your issues through the type of therapy they offer.
  • Digital Solutions: There are online support groups that you can attend for community and education. You can also find apps designed to help manage things like stress or anxiety.
  • 211: This is a free and confidential service that helps connect people with local resources they need, be it mental health services or jobs and employment.

If these options won’t work for you, you’ll have to look for other ways to pay for your therapy. And you should, because strong mental health will do wonders for your personal well-being.

What are some things I can do to pay for therapy?

  • Get a Part-Time Job: if you work ten hours a week at $10 an hour, that’s about $70 after taxes, and may be enough to cover weekly therapy sessions.
  • Reach Out to Someone You Trust for Help: Maybe they can give you a loan to help you cover the cost of a few sessions to help you get started.
  • Sell Some Things You Don’t Need Anymore: How much stuff do you have lying around your house that you don’t use anymore? See what someone is willing to pay for it. After all, one person’s trash is another person’s treasure.
  • Cut Back in Other Places: Do you buy lunch at work or pay for a streaming service? Making your lunch at home or finding free entertainment can free up money to use to cover the costs of your therapy.

If you are looking for a therapist and you don’t have any insurance, the last thing you need is the stress of trying to pay for a therapist. There are ways you can pay for therapy without insurance. You can look for low-cost options, like therapists-in-training, or even free options like Pro Bono therapy. If low-cost options are still outside your current budget, you can look for opportunities to change your circumstances, so you can get yourself the help you need to thrive.

When in need of additional funding for a therapist, title loans may be a favorable option. Car title loans from LoanMart can be a great way to get essential funding without all the hassles that can come with traditional lenders1.

One of the best things about title loans from LoanMart is that they are fast and efficient. You could even receive your car title loan funding as soon as the next business day3!

Check out our application and see how you may be able to use emergency money from a title loan to pay for a therapist1!

Trusted lender of over 250,000 customers2

Trusted by over 250,000 customers since 2002, we know how to do business the right way. Our US based customer service team is there for you seven days a week.

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Applications submitted on this website may be originated by one of several lenders. All loans will be serviced by LoanMart. See State Disclosures for additional information.

1Loan approval is subject to meeting the lenders credit criteria, which may include providing acceptable property as collateral. Actual loan amount, term, and Annual Percentage Rate of the loan that a consumer qualifies for may vary by consumer. Loan proceeds are intended primarily for personal, family and household purposes. Minimum loan amounts vary by state. Consumers need to demonstrate ability to repay the loan.

2Based on consumers who received a loan from LoanMart from February 2002 to October 2018.

3Application processes could take five (5) minutes to complete. Upon completion, a conditional approval may be given pending review of documentation. Funding time is based on the time from final approval following receipt and review of all required documents and signing, prior to 2PM PST on a business day.

4To exercise the right to rescind, the consumer(s) must notify the lender in writing by midnight on the third calendar day from obtaining the loan. Within one business day from notice of rescission, the consumer(s) must return any monies received and fees paid on behalf of the consumer(s) by certified funds.

5Lenders recommend and encourage consumers to pay early and often and more in order to avoid additional finance charges.

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