diff --git a/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/environment/JGitEnvironmentRepository.java b/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/environment/JGitEnvironmentRepository.java
index 7aa61790..3acd439d 100644
--- a/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/environment/JGitEnvironmentRepository.java
+++ b/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/environment/JGitEnvironmentRepository.java
@@ -205,6 +205,10 @@ public class JGitEnvironmentRepository extends AbstractScmEnvironmentRepository
 		this.gitCredentialsProviderFactory = gitCredentialsProviderFactory;
 	}
 
+	GitCredentialsProviderFactory getGitCredentialsProviderFactory() {
+		return gitCredentialsProviderFactory;
+	}
+
 	public String getDefaultLabel() {
 		return this.defaultLabel;
 	}
diff --git a/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/environment/MultipleJGitEnvironmentRepositoryFactory.java b/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/environment/MultipleJGitEnvironmentRepositoryFactory.java
index d99cd404..c669eb15 100644
--- a/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/environment/MultipleJGitEnvironmentRepositoryFactory.java
+++ b/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/environment/MultipleJGitEnvironmentRepositoryFactory.java
@@ -82,6 +82,8 @@ public class MultipleJGitEnvironmentRepositoryFactory
 			repository.setDefaultLabel(this.server.getDefaultLabel());
 		}
 		repository.setGitCredentialsProviderFactory(gitCredentialsProviderFactory);
+		repository.getRepos()
+				.forEach((name, repo) -> repo.setGitCredentialsProviderFactory(gitCredentialsProviderFactory));
 		return repository;
 	}
 
diff --git a/spring-cloud-config-server/src/test/java/org/springframework/cloud/config/server/environment/MultipleJGitEnvironmentRepositoryFactoryTests.java b/spring-cloud-config-server/src/test/java/org/springframework/cloud/config/server/environment/MultipleJGitEnvironmentRepositoryFactoryTests.java
new file mode 100644
index 00000000..d6e9805b
--- /dev/null
+++ b/spring-cloud-config-server/src/test/java/org/springframework/cloud/config/server/environment/MultipleJGitEnvironmentRepositoryFactoryTests.java
@@ -0,0 +1,67 @@
+/*
+ * Copyright 2013-2020 the original author or authors.
+ *
+ * Licensed under the Apache License, Version 2.0 (the "License");
+ * you may not use this file except in compliance with the License.
+ * You may obtain a copy of the License at
+ *
+ *      https://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing, software
+ * distributed under the License is distributed on an "AS IS" BASIS,
+ * WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
+ * See the License for the specific language governing permissions and
+ * limitations under the License.
+ */
+
+package org.springframework.cloud.config.server.environment;
+
+import java.util.HashMap;
+import java.util.Map;
+import java.util.Optional;
+
+import org.junit.Test;
+
+import org.springframework.cloud.config.server.config.ConfigServerProperties;
+import org.springframework.cloud.config.server.support.GitCredentialsProviderFactory;
+import org.springframework.cloud.config.server.support.TransportConfigCallbackFactory;
+import org.springframework.core.env.ConfigurableEnvironment;
+
+import static org.assertj.core.api.Assertions.assertThat;
+import static org.mockito.Mockito.mock;
+
+public class MultipleJGitEnvironmentRepositoryFactoryTests {
+
+	private MultipleJGitEnvironmentRepositoryFactory multipleJGitEnvironmentRepositoryFactory;
+
+	ConfigurableEnvironment environment = mock(ConfigurableEnvironment.class);
+
+	ConfigServerProperties server = mock(ConfigServerProperties.class);
+
+	Optional<ConfigurableHttpConnectionFactory> connectionFactory = Optional.empty();
+
+	TransportConfigCallbackFactory transportConfigCallbackFactory = mock(TransportConfigCallbackFactory.class);
+
+	GitCredentialsProviderFactory gitCredentialsProviderFactory;
+
+	@Test
+	public void buildGitCredentialsFactory() throws Exception {
+
+		multipleJGitEnvironmentRepositoryFactory = new MultipleJGitEnvironmentRepositoryFactory(environment, server,
+				connectionFactory, transportConfigCallbackFactory, gitCredentialsProviderFactory);
+		MultipleJGitEnvironmentProperties multipleJGitEnvironmentProperties = new MultipleJGitEnvironmentProperties();
+		Map<String, MultipleJGitEnvironmentProperties.PatternMatchingJGitEnvironmentProperties> patternMatchingJGitEnvironmentPropertiesMap = new HashMap<>();
+		patternMatchingJGitEnvironmentPropertiesMap.put("pattenMatchingGitRepo1",
+				new MultipleJGitEnvironmentProperties.PatternMatchingJGitEnvironmentProperties());
+		multipleJGitEnvironmentProperties.setRepos(patternMatchingJGitEnvironmentPropertiesMap);
+		MultipleJGitEnvironmentRepository multipleJGitEnvironmentRepository = multipleJGitEnvironmentRepositoryFactory
+				.build(multipleJGitEnvironmentProperties);
+		assertThat(multipleJGitEnvironmentRepository.getGitCredentialsProviderFactory())
+				.isSameAs(gitCredentialsProviderFactory);
+		MultipleJGitEnvironmentRepository.PatternMatchingJGitEnvironmentRepository pattenMatchingGitRepo = multipleJGitEnvironmentRepository
+				.getRepos().get("pattenMatchingGitRepo1");
+		assertThat(pattenMatchingGitRepo.getGitCredentialsProviderFactory()).isSameAs(gitCredentialsProviderFactory);
+
+	}
+
+}