diff --git a/crates/edit_prediction/src/edit_prediction.rs b/crates/edit_prediction/src/edit_prediction.rs
index 8b57c442c22..84b2e8be1a8 100644
--- a/crates/edit_prediction/src/edit_prediction.rs
+++ b/crates/edit_prediction/src/edit_prediction.rs
@@ -2444,6 +2444,15 @@ impl EditPredictionStore {
         allow_jump: bool,
         cx: &mut Context<Self>,
     ) -> Task<Result<Option<EditPredictionResult>>> {
+        let is_cloud_zeta = matches!(self.edit_prediction_model, EditPredictionModel::Zeta)
+            && !matches!(
+                all_language_settings(None, cx).edit_predictions.provider,
+                EditPredictionProvider::Ollama | EditPredictionProvider::OpenAiCompatibleApi
+            );
+        if is_cloud_zeta && !self.client.cloud_client().has_credentials() {
+            return Task::ready(Ok(None));
+        }
+
         self.get_or_init_project(&project, cx);
         let project_state = self.projects.get(&project.entity_id()).unwrap();
         let stored_events = project_state.events(cx);
diff --git a/crates/edit_prediction/src/edit_prediction_tests.rs b/crates/edit_prediction/src/edit_prediction_tests.rs
index 86f218b401e..32da5397886 100644
--- a/crates/edit_prediction/src/edit_prediction_tests.rs
+++ b/crates/edit_prediction/src/edit_prediction_tests.rs
@@ -3107,11 +3107,18 @@ async fn test_unauthenticated_without_custom_url_blocks_prediction_impl(cx: &mut
 
     let project = Project::test(fs.clone(), [path!("/project").as_ref()], cx).await;
 
-    let http_client = FakeHttpClient::create(|_req| async move {
-        Ok(gpui::http_client::Response::builder()
-            .status(401)
-            .body("Unauthorized".into())
-            .unwrap())
+    let request_count = Arc::new(std::sync::atomic::AtomicUsize::default());
+    let http_client = FakeHttpClient::create({
+        let request_count = request_count.clone();
+        move |_req| {
+            request_count.fetch_add(1, std::sync::atomic::Ordering::SeqCst);
+            async move {
+                Ok(gpui::http_client::Response::builder()
+                    .status(401)
+                    .body("Unauthorized".into())
+                    .unwrap())
+            }
+        }
     });
 
     let client =
@@ -3144,11 +3151,8 @@ async fn test_unauthenticated_without_custom_url_blocks_prediction_impl(cx: &mut
         ep_store.request_prediction(&project, &buffer, cursor, Default::default(), cx)
     });
 
-    let result = completion_task.await;
-    assert!(
-        result.is_err(),
-        "Without authentication and without custom URL, prediction should fail"
-    );
+    assert!(completion_task.await.unwrap().is_none());
+    assert_eq!(request_count.load(std::sync::atomic::Ordering::SeqCst), 0);
 }
 
 #[gpui::test]