diff --git a/config/src/main/java/org/springframework/security/config/annotation/web/reactive/ServerHttpSecurityConfiguration.java b/config/src/main/java/org/springframework/security/config/annotation/web/reactive/ServerHttpSecurityConfiguration.java
index 1bff8f5dcb3..8a4d6f46b62 100644
--- a/config/src/main/java/org/springframework/security/config/annotation/web/reactive/ServerHttpSecurityConfiguration.java
+++ b/config/src/main/java/org/springframework/security/config/annotation/web/reactive/ServerHttpSecurityConfiguration.java
@@ -255,7 +255,9 @@ private ReactiveAuthenticationManager authenticationManager() {
 			if (this.passwordEncoder != null) {
 				manager.setPasswordEncoder(this.passwordEncoder);
 			}
-			manager.setUserDetailsPasswordService(this.userDetailsPasswordService);
+			if (this.userDetailsPasswordService != null) {
+				manager.setUserDetailsPasswordService(this.userDetailsPasswordService);
+			}
 			manager.setCompromisedPasswordChecker(this.compromisedPasswordChecker);
 			return this.postProcessor.postProcess(manager);
 		}
diff --git a/config/src/test/java/org/springframework/security/config/annotation/web/reactive/ServerHttpSecurityConfigurationTests.java b/config/src/test/java/org/springframework/security/config/annotation/web/reactive/ServerHttpSecurityConfigurationTests.java
index b68736ced46..9cce78f2514 100644
--- a/config/src/test/java/org/springframework/security/config/annotation/web/reactive/ServerHttpSecurityConfigurationTests.java
+++ b/config/src/test/java/org/springframework/security/config/annotation/web/reactive/ServerHttpSecurityConfigurationTests.java
@@ -107,7 +107,7 @@ void setup(ApplicationContext context) {
 	}
 
 	@Test
-	public void loadConfigWhenReactiveUserDetailsServiceConfiguredThenServerHttpSecurityExists() {
+	public void loadConfigWhenReactiveUserDetailsAndPasswordServiceConfiguredThenServerHttpSecurityExists() {
 		this.spring
 			.register(ServerHttpSecurityConfiguration.class, ReactiveAuthenticationTestConfiguration.class,
 					WebFluxSecurityConfiguration.class)
@@ -116,6 +116,16 @@ public void loadConfigWhenReactiveUserDetailsServiceConfiguredThenServerHttpSecu
 		assertThat(serverHttpSecurity).isNotNull();
 	}
 
+	@Test
+	public void loadConfigWhenOnlyReactiveUserDetailsServiceConfiguredThenServerHttpSecurityExists() {
+		this.spring
+			.register(ServerHttpSecurityConfiguration.class, ReactiveUserDetailsServiceOnlyTestConfiguration.class,
+					WebFluxSecurityConfiguration.class)
+			.autowire();
+		ServerHttpSecurity serverHttpSecurity = this.spring.getContext().getBean(ServerHttpSecurity.class);
+		assertThat(serverHttpSecurity).isNotNull();
+	}
+
 	@Test
 	public void loadConfigWhenProxyingEnabledAndSubclassThenServerHttpSecurityExists() {
 		this.spring
@@ -581,4 +591,14 @@ static Customizer<ServerHttpSecurity> httpSecurityCustomizer0() {
 
 	}
 
+	@Configuration
+	static class ReactiveUserDetailsServiceOnlyTestConfiguration {
+
+		@Bean
+		static ReactiveUserDetailsService userDetailsService() {
+			return (username) -> Mono.just(PasswordEncodedUser.user());
+		}
+
+	}
+
 }