diff --git a/cmd/helm/install_test.go b/cmd/helm/install_test.go
index 13c994b92..b7349e3d5 100644
--- a/cmd/helm/install_test.go
+++ b/cmd/helm/install_test.go
@@ -20,6 +20,7 @@ import (
 	"fmt"
 	"net/http"
 	"net/http/httptest"
+	"path/filepath"
 	"testing"
 
 	"helm.sh/helm/v3/pkg/repo/repotest"
@@ -48,6 +49,8 @@ func TestInstall(t *testing.T) {
 		t.Fatal(err)
 	}
 
+	repoFile := filepath.Join(srv.Root(), "repositories.yaml")
+
 	tests := []cmdTestCase{
 		// Install, base case
 		{
@@ -244,6 +247,11 @@ func TestInstall(t *testing.T) {
 			cmd:    "install aeneas reqtest --namespace default --repo " + srv2.URL + " --username username --password password --pass-credentials",
 			golden: "output/install.txt",
 		},
+		{
+			name:   "basic install with credentials and no repo",
+			cmd:    fmt.Sprintf("install aeneas test/reqtest --username username --password password --repository-config %s --repository-cache %s", repoFile, srv.Root()),
+			golden: "output/install.txt",
+		},
 	}
 
 	runTestActionCmd(t, tests)
diff --git a/pkg/downloader/chart_downloader.go b/pkg/downloader/chart_downloader.go
index dba3452c3..93afb1461 100644
--- a/pkg/downloader/chart_downloader.go
+++ b/pkg/downloader/chart_downloader.go
@@ -158,7 +158,6 @@ func (c *ChartDownloader) ResolveChartVersion(ref, version string) (*url.URL, er
 	if err != nil {
 		return nil, errors.Errorf("invalid chart URL format: %s", ref)
 	}
-	c.Options = append(c.Options, getter.WithURL(ref))
 
 	rf, err := loadRepoConfig(c.RepositoryConfig)
 	if err != nil {
@@ -177,6 +176,8 @@ func (c *ChartDownloader) ResolveChartVersion(ref, version string) (*url.URL, er
 			// If there is no special config, return the default HTTP client and
 			// swallow the error.
 			if err == ErrNoOwnerRepo {
+				// Make sure to add the ref URL as the URL for the getter
+				c.Options = append(c.Options, getter.WithURL(ref))
 				return u, nil
 			}
 			return u, err
@@ -215,6 +216,10 @@ func (c *ChartDownloader) ResolveChartVersion(ref, version string) (*url.URL, er
 		return u, err
 	}
 
+	// Now that we have the chart repository information we can use that URL
+	// to set the URL for the getter.
+	c.Options = append(c.Options, getter.WithURL(rc.URL))
+
 	r, err := repo.NewChartRepository(rc, c.Getters)
 	if err != nil {
 		return u, err