diff --git a/activerecord/lib/active_record/associations/association_collection.rb b/activerecord/lib/active_record/associations/association_collection.rb
index 9c724d2117..7e47bf7bdf 100644
--- a/activerecord/lib/active_record/associations/association_collection.rb
+++ b/activerecord/lib/active_record/associations/association_collection.rb
@@ -214,6 +214,7 @@ module ActiveRecord
 
       def include?(record)
         return false unless record.is_a?(@reflection.klass)
+        load_target if @reflection.options[:finder_sql] && !loaded?
         return @target.include?(record) if loaded?
         exists?(record)
       end
diff --git a/activerecord/test/cases/associations/has_many_associations_test.rb b/activerecord/test/cases/associations/has_many_associations_test.rb
index 6f0190e8d9..7b97afe42c 100644
--- a/activerecord/test/cases/associations/has_many_associations_test.rb
+++ b/activerecord/test/cases/associations/has_many_associations_test.rb
@@ -832,6 +832,17 @@ class HasManyAssociationsTest < ActiveRecord::TestCase
     assert ! firm.clients.loaded?
   end
 
+  def test_include_loads_collection_if_target_uses_finder_sql
+    firm = companies(:first_firm)
+    client = firm.clients_using_sql.first
+    
+    firm.reload
+    assert ! firm.clients_using_sql.loaded?
+    assert firm.clients_using_sql.include?(client)
+    assert firm.clients_using_sql.loaded?
+  end
+  
+
   def test_include_returns_false_for_non_matching_record_to_verify_scoping
     firm = companies(:first_firm)
     client = Client.create!(:name => 'Not Associated')