diff --git a/src/main/scala/sbtpomreader/MavenHelper.scala b/src/main/scala/sbtpomreader/MavenHelper.scala
index 65b1290..fb9b4c5 100644
--- a/src/main/scala/sbtpomreader/MavenHelper.scala
+++ b/src/main/scala/sbtpomreader/MavenHelper.scala
@@ -30,12 +30,18 @@ object MavenHelper {
     mvnLocalRepository := defaultLocalRepo,
     profiles := Seq.empty,
     mavenUserProperties := Map.empty,
-    effectivePom := loadEffectivePom(
-      pomLocation.value,
-      mvnLocalRepository.value,
-      profiles.value,
-      mavenUserProperties.value
-    ),
+    effectivePom := {
+      val settingsRepos = effectiveSettings.value
+        .map(MavenUserSettingsHelper.getUserRemoteRepositories)
+        .getOrElse(Seq.empty)
+      loadEffectivePom(
+        pomLocation.value,
+        mvnLocalRepository.value,
+        profiles.value,
+        mavenUserProperties.value,
+        settingsRepos
+      )
+    },
     effectiveSettings := loadUserSettings(settingsLocation.value, profiles.value),
     showEffectivePom := showPom(pomLocation.value, effectivePom.value, streams.value),
     isJavaOnly := false
diff --git a/src/main/scala/sbtpomreader/MavenPomResolver.scala b/src/main/scala/sbtpomreader/MavenPomResolver.scala
index 7ceb2b9..386cd22 100644
--- a/src/main/scala/sbtpomreader/MavenPomResolver.scala
+++ b/src/main/scala/sbtpomreader/MavenPomResolver.scala
@@ -32,15 +32,6 @@ class MavenPomResolver(system: RepositorySystem, localRepo: File) {
       new RemoteRepository.Builder("central", "default", "https://repo.maven.apache.org/maven2").build()
     )
 
-  // TODO - Add repositories from the pom...
-  val modelResolver: ModelResolver = {
-    new MavenModelResolver(
-      session,
-      system,
-      repositories = defaultRepositories
-    )
-  }
-
   def loadEffectivePom(
       pomFile: File,
       repositories: Seq[RemoteRepository],
@@ -48,6 +39,11 @@ class MavenPomResolver(system: RepositorySystem, localRepo: File) {
       userPropsMap: Map[String, String]
   ): Model =
     try {
+      val modelResolver: ModelResolver = new MavenModelResolver(
+        session,
+        system,
+        repositories = defaultRepositories ++ repositories
+      )
       val userProperties = new java.util.Properties()
       userPropsMap.foreach(kv => userProperties.put(kv._1, kv._2))
       val request = new DefaultModelBuildingRequest
diff --git a/src/main/scala/sbtpomreader/MavenUserSettingsHelper.scala b/src/main/scala/sbtpomreader/MavenUserSettingsHelper.scala
index 613bcc1..3dd6307 100644
--- a/src/main/scala/sbtpomreader/MavenUserSettingsHelper.scala
+++ b/src/main/scala/sbtpomreader/MavenUserSettingsHelper.scala
@@ -7,6 +7,7 @@ import scala.collection.JavaConverters.*
 import org.apache.maven.model.{ Model as PomModel, Repository as PomRepository }
 import org.apache.maven.settings.Settings as MavenSettings
 import org.apache.maven.settings.building.{ DefaultSettingsBuilderFactory, DefaultSettingsBuildingRequest }
+import org.eclipse.aether.repository.RemoteRepository
 
 /**
  * Helper object with functions to extract settings from the user's Maven settings file (typically ~/.m2/settings.xml)
@@ -38,6 +39,16 @@ object MavenUserSettingsHelper {
     } yield repo.getId at repo.getUrl
   }
 
+  /** Extract repositories from user settings as Aether RemoteRepository objects for POM resolution. */
+  def getUserRemoteRepositories(settings: MavenSettings): Seq[RemoteRepository] = {
+    val profiles = settings.getProfilesAsMap
+    for {
+      profileName <- settings.getActiveProfiles.asScala
+      profile <- Option(profiles.get(profileName)).toSeq
+      repo <- profile.getRepositories.asScala
+    } yield new RemoteRepository.Builder(repo.getId, repo.getLayout, repo.getUrl).build()
+  }
+
   /** Extract the server credentials from the given settings file. */
   def serverCredentials(settings: MavenSettings): Seq[ServerCredentials] =
     for {
diff --git a/src/main/scala/sbtpomreader/package.scala b/src/main/scala/sbtpomreader/package.scala
index 1d40c0e..13eb1a5 100644
--- a/src/main/scala/sbtpomreader/package.scala
+++ b/src/main/scala/sbtpomreader/package.scala
@@ -26,7 +26,8 @@ package object sbtpomreader {
       pom: File,
       localRepo: File = defaultLocalRepo,
       profiles: Seq[String],
-      userProps: Map[String, String]
+      userProps: Map[String, String],
+      additionalRepositories: Seq[org.eclipse.aether.repository.RemoteRepository] = Seq.empty
   ) =
-    MavenPomResolver(localRepo).loadEffectivePom(pom, Seq.empty, profiles, userProps)
+    MavenPomResolver(localRepo).loadEffectivePom(pom, additionalRepositories, profiles, userProps)
 }
diff --git a/src/sbt-test/simple-pom/can-read-settings-repos/build.sbt b/src/sbt-test/simple-pom/can-read-settings-repos/build.sbt
index 182d7d2..3386a7d 100644
--- a/src/sbt-test/simple-pom/can-read-settings-repos/build.sbt
+++ b/src/sbt-test/simple-pom/can-read-settings-repos/build.sbt
@@ -5,6 +5,11 @@ TaskKey[Unit]("checkSettings") := {
   val extracted = Project extract state.value
   val rez = extracted.get(resolvers)
   // Should only pick up one of the two repositories due to profile activation.
-  assert(rez.exists(_.name == "sbt-bintray"))
-  assert(!rez.exists(_.name == "one-sad-repo"))
+  assert(rez.exists(_.name == "sbt-bintray"), "Expected sbt-bintray in resolvers, found: " + rez)
+  assert(!rez.exists(_.name == "one-sad-repo"), "Unexpected one-sad-repo in resolvers")
+
+  // Verify effective POM loaded successfully with settings repos wired in.
+  val pom = extracted.get(effectivePom)
+  assert(pom != null, "effectivePom should be loaded")
+  assert(pom.getGroupId == "com.jsuereth.junk", "Expected groupId com.jsuereth.junk, found: " + pom.getGroupId)
 }