diff --git a/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/ssh/KeyPairUtils.java b/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/ssh/KeyPairUtils.java
index 2f890e62..b7f81898 100644
--- a/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/ssh/KeyPairUtils.java
+++ b/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/ssh/KeyPairUtils.java
@@ -23,11 +23,14 @@ import java.security.GeneralSecurityException;
 import java.security.KeyPair;
 import java.util.Collection;
 
+import org.apache.sshd.common.config.keys.FilePasswordProvider;
 import org.apache.sshd.common.config.keys.loader.KeyPairResourceLoader;
 import org.apache.sshd.common.session.SessionContext;
 import org.apache.sshd.common.util.io.resource.AbstractIoResource;
 import org.apache.sshd.common.util.security.SecurityUtils;
 
+import org.springframework.util.StringUtils;
+
 final class KeyPairUtils {
 
 	private static final KeyPairResourceLoader loader = SecurityUtils.getKeyPairResourceParser();
@@ -36,14 +39,18 @@ final class KeyPairUtils {
 
 	}
 
-	static Collection<KeyPair> load(SessionContext session, String privateKey)
+	static Collection<KeyPair> load(SessionContext session, String privateKey, String passphrase)
 			throws IOException, GeneralSecurityException {
-		return loader.loadKeyPairs(session, new StringResource(privateKey), null);
+
+		FilePasswordProvider passwordProvider = StringUtils.hasText(passphrase) ? FilePasswordProvider.of(passphrase)
+				: FilePasswordProvider.EMPTY;
+
+		return loader.loadKeyPairs(session, new StringResource(privateKey), passwordProvider);
 	}
 
-	static boolean isValid(String privateKey) {
+	static boolean isValid(String privateKey, String passphrase) {
 		try {
-			return !KeyPairUtils.load(null, privateKey).isEmpty();
+			return !KeyPairUtils.load(null, privateKey, passphrase).isEmpty();
 		}
 		catch (IOException | GeneralSecurityException ignored) {
 			return false;
diff --git a/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/ssh/PrivateKeyValidator.java b/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/ssh/PrivateKeyValidator.java
index c80fefb1..d481180c 100644
--- a/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/ssh/PrivateKeyValidator.java
+++ b/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/ssh/PrivateKeyValidator.java
@@ -83,7 +83,7 @@ public class PrivateKeyValidator implements ConstraintValidator<PrivateKeyIsVali
 
 	private boolean isPrivateKeyFormatCorrect(JGitEnvironmentProperties sshUriProperties,
 			ConstraintValidatorContext context) {
-		if (KeyPairUtils.isValid(sshUriProperties.getPrivateKey())) {
+		if (KeyPairUtils.isValid(sshUriProperties.getPrivateKey(), sshUriProperties.getPassphrase())) {
 			return true;
 		}
 
diff --git a/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/ssh/PropertyBasedSshSessionFactory.java b/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/ssh/PropertyBasedSshSessionFactory.java
index 24a57e71..e7a502fb 100644
--- a/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/ssh/PropertyBasedSshSessionFactory.java
+++ b/spring-cloud-config-server/src/main/java/org/springframework/cloud/config/server/ssh/PropertyBasedSshSessionFactory.java
@@ -212,7 +212,7 @@ public class PropertyBasedSshSessionFactory extends SshdSessionFactory {
 			JGitEnvironmentProperties sshProperties = sshKeysByHostname.get(remoteAddress.getHostName());
 
 			return sshProperties == null ? Collections.emptyList()
-					: KeyPairUtils.load(session, sshProperties.getPrivateKey());
+					: KeyPairUtils.load(session, sshProperties.getPrivateKey(), sshProperties.getPassphrase());
 		}
 
 	}
diff --git a/spring-cloud-config-server/src/test/java/org/springframework/cloud/config/server/ssh/PropertyBasedSshSessionFactoryTest.java b/spring-cloud-config-server/src/test/java/org/springframework/cloud/config/server/ssh/PropertyBasedSshSessionFactoryTest.java
index 7b060505..bc231a0a 100644
--- a/spring-cloud-config-server/src/test/java/org/springframework/cloud/config/server/ssh/PropertyBasedSshSessionFactoryTest.java
+++ b/spring-cloud-config-server/src/test/java/org/springframework/cloud/config/server/ssh/PropertyBasedSshSessionFactoryTest.java
@@ -158,7 +158,23 @@ public class PropertyBasedSshSessionFactoryTest {
 		PrivateKey privateKey = getSshPrivateKey("gitlab.example.local");
 
 		assertThat(privateKey).isNotNull();
-		assertThat(privateKey).isEqualTo(toPrivateKey(PRIVATE_KEY));
+		assertThat(privateKey).isEqualTo(toPrivateKey(PRIVATE_KEY, null));
+	}
+
+	@Test
+	public void privateKeyWithPassphraseIsUsed() {
+		String keyWithPassphrase = getResourceAsString("/ssh/key-with-passphrase");
+
+		JGitEnvironmentProperties sshKey = new JGitEnvironmentProperties();
+		sshKey.setUri("git@gitlab.example.local:someorg/somerepo.git");
+		sshKey.setPrivateKey(keyWithPassphrase);
+		sshKey.setPassphrase("secret");
+		setupSessionFactory(sshKey);
+
+		PrivateKey privateKey = getSshPrivateKey("gitlab.example.local");
+
+		assertThat(privateKey).isNotNull();
+		assertThat(privateKey).isEqualTo(toPrivateKey(keyWithPassphrase, "secret"));
 	}
 
 	@Test
@@ -261,9 +277,9 @@ public class PropertyBasedSshSessionFactoryTest {
 		}
 	}
 
-	private PrivateKey toPrivateKey(String key) {
+	private PrivateKey toPrivateKey(String key, String passphrase) {
 		try {
-			Collection<KeyPair> keyPairs = KeyPairUtils.load(null, key);
+			Collection<KeyPair> keyPairs = KeyPairUtils.load(null, key, passphrase);
 
 			return keyPairs.isEmpty() ? null : keyPairs.iterator().next().getPrivate();
 		}
diff --git a/spring-cloud-config-server/src/test/resources/ssh/key-with-passphrase b/spring-cloud-config-server/src/test/resources/ssh/key-with-passphrase
new file mode 100644
index 00000000..17fd5ced
--- /dev/null
+++ b/spring-cloud-config-server/src/test/resources/ssh/key-with-passphrase
@@ -0,0 +1,54 @@
+-----BEGIN RSA PRIVATE KEY-----
+Proc-Type: 4,ENCRYPTED
+DEK-Info: AES-128-CBC,7310DDCF47A57E8764693DFBACB0FB4A
+
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+-----END RSA PRIVATE KEY-----