A voucher program that helps cover the cost of therapy for Black women and nonbinary individuals—no insurance required.
Therapy can change your life, providing a much-needed safe space to acknowledge current pain, heal from past traumas, and develop strategies that help you thrive.
Yet, paying for it can feel impossible. It can cost anywhere from $100 to $200 per session without insurance.1
Still, you deserve quality culturally affirming care.
That’s why the Loveland Therapy Fund exists. Instead of asking Black women to choose between our mental health and finances, the program provides real financial assistance.
Here’s what you need to know about the Loveland Therapy Fund and how to get started.
What is the Loveland Therapy Fund?
The Loveland Therapy Fund helps eligible participants pay for therapy through financial vouchers that can be used with licensed mental health providers across the U.S.
Created by the Loveland Foundation, the Therapy Fund partners with directories such as Black Female Therapists, Therapy for Black Girls, and Open Path Collective, connecting Black women and girls to affordable, culturally competent care.
How the Loveland Therapy Fund works
You’ll need to apply to sign up for the Therapy Fund. Eligible participants are at least 18 years old, live in the U.S., and identify as a Black woman or nonbinary individual.
Here’s what to expect.
Complete the application
Visit the Loveland website to fill out the Therapy Fund application. You can only complete an application for yourself. So a therapist can’t fill one out for you. Neither can you do it for a friend or loved one.
The application window is open quarterly, not year-round. If you want to apply, but the window is closed, you can join the waitlist to be notified when the next round opens.
Once you’ve applied, you can expect an email response within four to six weeks.
Find a therapist
If approved, you can begin searching for a therapist. The Therapy Fund doesn’t match you with one. Instead, you can search its partner directories to find a therapist who accepts Loveland vouchers.
Partners include Psychology Today, National Queer and Trans Therapists of Color Network, Zencare, and Mental Health Match, among others.
Your therapist must be a licensed mental health provider or a clinician actively pursuing a license and under supervision.
If you try a therapist who’s not the right fit, you can use your remaining vouchers on another one. Just make sure the therapist accepts Loveland vouchers and is set up on the Loveland Portal.
Request your vouchers
Once you’ve found your therapist, you can request and receive up to 12 vouchers (in batches of four) through your Loveland Portal account. The request typically takes one to two business days to process.
One voucher covers up to $120 per session, but it doesn’t have to reach this maximum to be fully redeemed.
Vouchers are considered fully redeemed for sessions costing $65 or more. That means if your therapy session costs $70, that session uses one full voucher. You can’t carry over an unused balance.
You can roll over a balance of $60 or more to a future session, but you can’t combine balances across vouchers or use a voucher after it expires. There are other rules—such as no reissues, renewals, or transfers—you’ll also want to pay attention to.
Redeeming your vouchers
There are two ways you can redeem your Loveland vouchers. You can choose to pay your therapist and have Loveland reimburse you. Or Loveland can pay your therapist directly.
Once you choose a payment method, you can’t switch later. And regardless of which option you choose, both you and your therapist must be signed up on the portal.
What makes the Loveland Therapy Fund stand out
There are several therapy financial assistance programs, but the Loveland Therapy Fund offers noteworthy flexibility—both in finding a therapist and covering the cost of your sessions.
To start, you’re not limited to one small network of therapists. Instead, you can search several partner directories with culturally affirming providers who accept Loveland vouchers.
And you’re not forced to pay out of pocket and wait for a reimbursement. You can choose to have Loveland pay the therapist, removing a major financial burden for many of us.
What to consider before applying
While the Loveland Therapy Fund is an incredible resource for Black women, like any program, it has limitations worth considering.
The application process takes four to six weeks from the time you apply. And applications are only open quarterly, so this may not be the best option if you want therapy right away.
It’s also designed to help you get started with therapy—it doesn’t cover therapy indefinitely. After 12 sessions, you’ll have to pay the full cost to continue therapy. And you’re not able to apply more than once.
Who the Loveland Therapy Fund is best for
The Loveland Therapy Fund could be a fit if you’ve been wanting to begin therapy with a culturally affirming mental healthcare provider, but cost is a major barrier.
You’ll also need to be okay with the minimum month-long application waiting period and feel comfortable finding your own therapist rather than being matched with one.
Whether the Loveland Therapy Fund is best for you or not, know that affordable care with therapists who get you is out there—and you deserve it.
Loveland Therapy Fund FAQs
Who can apply for the Loveland Therapy Fund?
Black women or nonbinary individuals who are 18 or older and living in the U.S. can apply. You can only sign up for yourself. Loveland doesn’t accept a therapist, friend, or loved one applying on your behalf.
When can you apply for the Loveland Therapy Fund?
Applications open quarterly. If the window is closed, you can add yourself to the waitlist, and Loveland will notify you once the window reopens.
How many sessions does the Loveland Therapy Fund cover?
Recipients can receive up to 12 therapy vouchers, issued in batches of four at a time. Each voucher covers up to $120 toward an eligible therapy session.
References
Last accessed July 2026
- Aime, M. (2024, May 23). How Much Does Therapy Cost Without Insurance? GoodRx. https://www.goodrx.com/health-topic/mental-health/therapy-without-insurance?srsltid=AfmBOopq9Xk7Yn-xqpTpM9OgCqqR1bsbf6ghVTo3QveVHzFhoTNAGWn- ↩︎
