diff --git a/packages/opencode/src/provider/provider.ts b/packages/opencode/src/provider/provider.ts
index a0ab5eb3474d..0c53142e2cf3 100644
--- a/packages/opencode/src/provider/provider.ts
+++ b/packages/opencode/src/provider/provider.ts
@@ -1395,6 +1395,7 @@ const layer = Layer.effect(
           if (!p || !models) continue
 
           const providerID = ProviderV2.ID.make(p.id)
+          if (enabled && !enabled.has(providerID)) continue
           if (disabled.has(providerID)) continue
 
           const provider = database[providerID]
@@ -1544,7 +1545,9 @@ const layer = Layer.effect(
         for (const plugin of plugins) {
           if (!plugin.auth) continue
           const providerID = ProviderV2.ID.make(plugin.auth.provider)
-          if (disabled.has(providerID)) continue
+          if (!isProviderAllowed(providerID)) continue
+          const data = database[providerID]
+          if (!data) continue
 
           const stored = yield* auth.get(providerID).pipe(Effect.orDie)
           if (!stored) continue
@@ -1553,7 +1556,7 @@ const layer = Layer.effect(
           const options = yield* Effect.promise(() =>
             plugin.auth!.loader!(
               () => bridge.promise(auth.get(providerID).pipe(Effect.orDie)) as any,
-              toPublicInfo(database[plugin.auth!.provider]),
+              toPublicInfo(data),
             ),
           )
           const opts = options ?? {}
diff --git a/packages/opencode/test/provider/provider.test.ts b/packages/opencode/test/provider/provider.test.ts
index 058bad23a1c6..4829f33748c4 100644
--- a/packages/opencode/test/provider/provider.test.ts
+++ b/packages/opencode/test/provider/provider.test.ts
@@ -152,6 +152,21 @@ it.instance(
   { config: { enabled_providers: ["anthropic"] } },
 )
 
+it.instance(
+  "enabled_providers skips auth loaders for filtered providers",
+  Effect.gen(function* () {
+    yield* setProcessEnv(
+      "OPENCODE_AUTH_CONTENT",
+      JSON.stringify({
+        google: { type: "oauth", refresh: "dummy", access: "dummy", expires: 9999999999999 },
+      }),
+    )
+    const providers = yield* list
+    expect(providers[ProviderV2.ID.google]).toBeUndefined()
+  }),
+  { config: { enabled_providers: ["anthropic"] } },
+)
+
 it.instance(
   "model whitelist filters models for provider",
   Effect.gen(function* () {