diff --git a/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/support/GitCredentialsProviderFactory.java b/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/support/GitCredentialsProviderFactory.java
index f69fc817..a35c2b8e 100644
--- a/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/support/GitCredentialsProviderFactory.java
+++ b/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/support/GitCredentialsProviderFactory.java
@@ -102,7 +102,8 @@ public class GitCredentialsProviderFactory {
 					+ uri);
 			provider = new GitSkipSslValidationCredentialsProvider(provider);
 		}
-		else {
+
+		if (provider == null) {
 			logger.debug("No credentials provider required for URI " + uri);
 		}