diff --git a/src/NATS.Client.Core/NatsConnection.cs b/src/NATS.Client.Core/NatsConnection.cs
index 85862e7b7..834446c0c 100644
--- a/src/NATS.Client.Core/NatsConnection.cs
+++ b/src/NATS.Client.Core/NatsConnection.cs
@@ -76,7 +76,7 @@ public NatsConnection()
     public NatsConnection(NatsOpts opts)
     {
         _logger = opts.LoggerFactory.CreateLogger<NatsConnection>();
-        Opts = opts;
+        Opts = ReadUserInfoFromConnectionString(opts);
         ConnectionState = NatsConnectionState.Closed;
         _waitForOpenConnection = new TaskCompletionSource(TaskCreationOptions.RunContinuationsAsynchronously);
         _disposedCancellationTokenSource = new CancellationTokenSource();
@@ -289,6 +289,62 @@ internal ValueTask UnsubscribeAsync(int sid)
         return default;
     }
 
+
+    private static NatsOpts ReadUserInfoFromConnectionString(NatsOpts opts)
+    {
+        var first = true;
+
+        var natsUris = opts.GetSeedUris();
+        var maskedUris = new List<string>(natsUris.Length);
+
+        foreach (var natsUri in natsUris)
+        {
+            var uriBuilder = new UriBuilder(natsUri.Uri);
+
+            if (uriBuilder.UserName is { Length: > 0 } username)
+            {
+                if (first)
+                {
+                    first = false;
+
+                    if (uriBuilder.Password is { Length: > 0 } password)
+                    {
+                        opts = opts with
+                        {
+                            AuthOpts = opts.AuthOpts with
+                            {
+                                Username = uriBuilder.UserName,
+                                Password = uriBuilder.Password,
+                            },
+                        };
+
+                        uriBuilder.Password = "***"; // to redact the password from logs
+                    }
+                    else
+                    {
+                        opts = opts with
+                        {
+                            AuthOpts = opts.AuthOpts with
+                            {
+                               Token = uriBuilder.UserName,
+                            },
+                        };
+
+                        uriBuilder.UserName = "***"; // to redact the token from logs
+                    }
+                }
+
+            }
+
+            maskedUris.Add(uriBuilder.ToString().TrimEnd('/'));
+        }
+
+        var combinedUri = string.Join(",", maskedUris);
+        opts = opts with { Url = combinedUri };
+
+        return opts;
+    }
+
     private async ValueTask InitialConnectAsync()
     {
         Debug.Assert(ConnectionState == NatsConnectionState.Connecting, "Connection state");
diff --git a/tests/NATS.Client.Core.Tests/ClusterTests.cs b/tests/NATS.Client.Core.Tests/ClusterTests.cs
index 0ef8be7fc..05b3f2cec 100644
--- a/tests/NATS.Client.Core.Tests/ClusterTests.cs
+++ b/tests/NATS.Client.Core.Tests/ClusterTests.cs
@@ -2,23 +2,43 @@ namespace NATS.Client.Core.Tests;
 
 public class ClusterTests(ITestOutputHelper output)
 {
-    [Fact]
-    public async Task Seed_urls_on_retry()
+    [Theory]
+    [InlineData(false)]
+    [InlineData(true)]
+    public async Task Seed_urls_on_retry(bool userAuthInUrl)
     {
         await using var cluster1 = new NatsCluster(
             new NullOutputHelper(),
             TransportType.Tcp,
-            (i, b) => b.WithServerName($"c1n{i}"));
+            (i, b) =>
+            {
+                b.WithServerName($"c1n{i}");
+                if (userAuthInUrl)
+                {
+                    b.AddServerConfig("resources/configs/auth/password.conf");
+                    b.WithClientUrlAuthentication("a", "b");
+                }
+            },
+            userAuthInUrl);
 
         await using var cluster2 = new NatsCluster(
             new NullOutputHelper(),
             TransportType.Tcp,
-            (i, b) => b.WithServerName($"c2n{i}"));
+            (i, b) =>
+            {
+                b.WithServerName($"c2n{i}");
+                if (userAuthInUrl)
+                {
+                    b.AddServerConfig("resources/configs/auth/password.conf");
+                    b.WithClientUrlAuthentication("a", "b");
+                }
+            },
+            userAuthInUrl);
 
         // Use the first node from each cluster as the seed
         // so that we can confirm seeds are used on retry
-        var url1 = cluster1.Server1.ClientUrl;
-        var url2 = cluster2.Server1.ClientUrl;
+        var url1 = userAuthInUrl ? cluster1.Server1.ClientUrlWithAuth : cluster1.Server1.ClientUrl;
+        var url2 = userAuthInUrl ? cluster2.Server1.ClientUrlWithAuth : cluster2.Server1.ClientUrl;
 
         await using var nats = new NatsConnection(new NatsOpts
         {
diff --git a/tests/NATS.Client.Core.Tests/NatsConnectionTest.Auth.cs b/tests/NATS.Client.Core.Tests/NatsConnectionTest.Auth.cs
index 16aad262b..7e2baa12e 100644
--- a/tests/NATS.Client.Core.Tests/NatsConnectionTest.Auth.cs
+++ b/tests/NATS.Client.Core.Tests/NatsConnectionTest.Auth.cs
@@ -12,6 +12,15 @@ public static IEnumerable<object[]> GetAuthConfigs()
                 NatsOpts.Default with { AuthOpts = NatsAuthOpts.Default with { Token = "s3cr3t", }, }),
         };
 
+        yield return new object[]
+        {
+            new Auth(
+                "TOKEN_IN_CONNECTIONSTRING",
+                "resources/configs/auth/token.conf",
+                NatsOpts.Default,
+                urlAuth: "s3cr3t"),
+        };
+
         yield return new object[]
         {
             new Auth(
@@ -23,6 +32,15 @@ NatsOpts.Default with
                 }),
         };
 
+        yield return new object[]
+        {
+            new Auth(
+                "USER-PASSWORD_IN_CONNECTIONSTRING",
+                "resources/configs/auth/password.conf",
+                NatsOpts.Default,
+                urlAuth: "a:b"),
+        };
+
         yield return new object[]
         {
             new Auth(
@@ -84,15 +102,22 @@ public async Task UserCredentialAuthTest(Auth auth)
         var name = auth.Name;
         var serverConfig = auth.ServerConfig;
         var clientOpts = auth.ClientOpts;
+        var useAuthInUrl = !string.IsNullOrEmpty(auth.UrlAuth);
 
         _output.WriteLine($"AUTH TEST {name}");
 
-        var serverOpts = new NatsServerOptsBuilder()
+        var serverOptsBuilder = new NatsServerOptsBuilder()
             .UseTransport(_transportType)
-            .AddServerConfig(serverConfig)
-            .Build();
+            .AddServerConfig(serverConfig);
+
+        if (useAuthInUrl)
+        {
+            serverOptsBuilder.WithClientUrlAuthentication(auth.UrlAuth);
+        }
 
-        await using var server = NatsServer.Start(_output, serverOpts, clientOpts);
+        var serverOpts = serverOptsBuilder.Build();
+
+        await using var server = NatsServer.Start(_output, serverOpts, clientOpts, useAuthInUrl);
 
         var subject = Guid.NewGuid().ToString("N");
 
@@ -104,8 +129,8 @@ public async Task UserCredentialAuthTest(Auth auth)
             Assert.Contains("Authorization Violation", natsException.GetBaseException().Message);
         }
 
-        await using var subConnection = server.CreateClientConnection(clientOpts);
-        await using var pubConnection = server.CreateClientConnection(clientOpts);
+        await using var subConnection = server.CreateClientConnection(clientOpts, useAuthInUrl: useAuthInUrl);
+        await using var pubConnection = server.CreateClientConnection(clientOpts, useAuthInUrl: useAuthInUrl);
 
         var signalComplete1 = new WaitSignal();
         var signalComplete2 = new WaitSignal();
@@ -141,7 +166,7 @@ await Retry.Until(
         await disconnectSignal2;
 
         _output.WriteLine("START NEW SERVER");
-        await using var newServer = NatsServer.Start(_output, serverOpts, clientOpts);
+        await using var newServer = NatsServer.Start(_output, serverOpts, clientOpts, useAuthInUrl);
         await subConnection.ConnectAsync(); // wait open again
         await pubConnection.ConnectAsync(); // wait open again
 
@@ -162,11 +187,12 @@ await Retry.Until(
 
     public class Auth
     {
-        public Auth(string name, string serverConfig, NatsOpts clientOpts)
+        public Auth(string name, string serverConfig, NatsOpts clientOpts, string urlAuth = null)
         {
             Name = name;
             ServerConfig = serverConfig;
             ClientOpts = clientOpts;
+            UrlAuth = urlAuth;
         }
 
         public string Name { get; }
@@ -175,6 +201,8 @@ public Auth(string name, string serverConfig, NatsOpts clientOpts)
 
         public NatsOpts ClientOpts { get; }
 
+        public string UrlAuth { get; }
+
         public override string ToString() => Name;
     }
 }
diff --git a/tests/NATS.Client.TestUtilities/NatsServer.cs b/tests/NATS.Client.TestUtilities/NatsServer.cs
index 83cb90001..682a3fa79 100644
--- a/tests/NATS.Client.TestUtilities/NatsServer.cs
+++ b/tests/NATS.Client.TestUtilities/NatsServer.cs
@@ -85,6 +85,22 @@ private NatsServer(ITestOutputHelper outputHelper, NatsServerOpts opts)
         _ => throw new ArgumentOutOfRangeException(),
     };
 
+    public string ClientUrlWithAuth
+    {
+        get
+        {
+            if (!string.IsNullOrEmpty(Opts.ClientUrlUserName))
+            {
+                var uriBuilder = new UriBuilder(ClientUrl);
+                uriBuilder.UserName = Opts.ClientUrlUserName;
+                uriBuilder.Password = Opts.ClientUrlPassword;
+                return uriBuilder.ToString().TrimEnd('/');
+            }
+
+            return ClientUrl;
+        }
+    }
+
     public int ConnectionPort
     {
         get
@@ -134,7 +150,7 @@ public static NatsServer StartWithTrace(ITestOutputHelper outputHelper)
     public static NatsServer Start(ITestOutputHelper outputHelper, TransportType transportType) =>
         Start(outputHelper, new NatsServerOptsBuilder().UseTransport(transportType).Build());
 
-    public static NatsServer Start(ITestOutputHelper outputHelper, NatsServerOpts opts, NatsOpts? clientOpts = default)
+    public static NatsServer Start(ITestOutputHelper outputHelper, NatsServerOpts opts, NatsOpts? clientOpts = default, bool useAuthInUrl = false)
     {
         NatsServer? server = null;
         NatsConnection? nats = null;
@@ -144,7 +160,7 @@ public static NatsServer Start(ITestOutputHelper outputHelper, NatsServerOpts op
             {
                 server = new NatsServer(outputHelper, opts);
                 server.StartServerProcess();
-                nats = server.CreateClientConnection(clientOpts ?? NatsOpts.Default, reTryCount: 3);
+                nats = server.CreateClientConnection(clientOpts ?? GetDefaultClientOpts(server), reTryCount: 3, useAuthInUrl: useAuthInUrl);
 #pragma warning disable CA2012
                 return server;
             }
@@ -162,6 +178,11 @@ public static NatsServer Start(ITestOutputHelper outputHelper, NatsServerOpts op
         throw new Exception("Can't start nats-server and connect to it");
     }
 
+    private static NatsOpts GetDefaultClientOpts(NatsServer server)
+    {
+        return NatsOpts.Default/* with { Url = server.ClientUrl }*/;
+    }
+
     public void StartServerProcess()
     {
         _cancellationTokenSource = new CancellationTokenSource();
@@ -335,13 +356,13 @@ public async ValueTask DisposeAsync()
         return (client, proxy);
     }
 
-    public NatsConnection CreateClientConnection(NatsOpts? options = default, int reTryCount = 10, bool ignoreAuthorizationException = false, bool testLogger = true)
+    public NatsConnection CreateClientConnection(NatsOpts? options = default, int reTryCount = 10, bool ignoreAuthorizationException = false, bool testLogger = true, bool useAuthInUrl = false)
     {
         for (var i = 0; i < reTryCount; i++)
         {
             try
             {
-                var nats = new NatsConnection(ClientOpts(options ?? NatsOpts.Default, testLogger: testLogger));
+                var nats = new NatsConnection(ClientOpts(options ?? GetDefaultClientOpts(this), testLogger: testLogger, useAuthInUrl: useAuthInUrl));
 
                 try
                 {
@@ -369,14 +390,14 @@ public NatsConnection CreateClientConnection(NatsOpts? options = default, int re
         throw new Exception("Can't create a connection to nats-server");
     }
 
-    public NatsConnectionPool CreatePooledClientConnection() => CreatePooledClientConnection(NatsOpts.Default);
+    public NatsConnectionPool CreatePooledClientConnection() => CreatePooledClientConnection(GetDefaultClientOpts(this));
 
     public NatsConnectionPool CreatePooledClientConnection(NatsOpts opts)
     {
         return new NatsConnectionPool(4, ClientOpts(opts));
     }
 
-    public NatsOpts ClientOpts(NatsOpts opts, bool testLogger = true)
+    public NatsOpts ClientOpts(NatsOpts opts, bool testLogger = true, bool useAuthInUrl = false)
     {
         var natsTlsOpts = Opts.EnableTls
             ? opts.TlsOpts with
@@ -392,7 +413,7 @@ public NatsOpts ClientOpts(NatsOpts opts, bool testLogger = true)
         {
             LoggerFactory = testLogger ? _loggerFactory : opts.LoggerFactory,
             TlsOpts = natsTlsOpts,
-            Url = ClientUrl,
+            Url = useAuthInUrl ? ClientUrlWithAuth : ClientUrl,
         };
     }
 
@@ -431,6 +452,15 @@ private static (string configFileName, string config, string cmd) GetCmd(NatsSer
 
         var cmd = $"{NatsServerPath} -c {configFileName}";
 
+        //var cmdBuilder = new StringBuilder($"{NatsServerPath} -c {configFileName}");
+
+        //if (!string.IsNullOrEmpty(opts.UserName) && !string.IsNullOrEmpty(opts.Password))
+        //{
+        //    cmdBuilder.Append($" --user {opts.UserName} --pass {opts.Password}");
+        //}
+
+        //var cmd = cmdBuilder.ToString();
+
         return (configFileName, config, cmd);
     }
 
@@ -464,7 +494,7 @@ public class NatsCluster : IAsyncDisposable
 {
     private readonly ITestOutputHelper _outputHelper;
 
-    public NatsCluster(ITestOutputHelper outputHelper, TransportType transportType, Action<int, NatsServerOptsBuilder>? configure = default)
+    public NatsCluster(ITestOutputHelper outputHelper, TransportType transportType, Action<int, NatsServerOptsBuilder>? configure = default, bool useAuthInUrl = false)
     {
         _outputHelper = outputHelper;
 
@@ -516,13 +546,13 @@ public NatsCluster(ITestOutputHelper outputHelper, TransportType transportType,
         }
 
         _outputHelper.WriteLine($"Starting server 1...");
-        Server1 = NatsServer.Start(outputHelper, opts1);
+        Server1 = NatsServer.Start(outputHelper, opts1, useAuthInUrl: useAuthInUrl);
 
         _outputHelper.WriteLine($"Starting server 2...");
-        Server2 = NatsServer.Start(outputHelper, opts2);
+        Server2 = NatsServer.Start(outputHelper, opts2, useAuthInUrl: useAuthInUrl);
 
         _outputHelper.WriteLine($"Starting server 3...");
-        Server3 = NatsServer.Start(outputHelper, opts3);
+        Server3 = NatsServer.Start(outputHelper, opts3, useAuthInUrl: useAuthInUrl);
     }
 
     public NatsServer Server1 { get; }
diff --git a/tests/NATS.Client.TestUtilities/NatsServerOpts.cs b/tests/NATS.Client.TestUtilities/NatsServerOpts.cs
index 43c69ba26..2f2b6fc3a 100644
--- a/tests/NATS.Client.TestUtilities/NatsServerOpts.cs
+++ b/tests/NATS.Client.TestUtilities/NatsServerOpts.cs
@@ -31,6 +31,8 @@ public sealed class NatsServerOptsBuilder
     private bool _serverDisposeReturnsPorts;
     private bool _enableClustering;
     private bool _trace;
+    private string? _clientUrlUserName;
+    private string? _clientUrlPassword;
 
     public NatsServerOpts Build() => new()
     {
@@ -40,6 +42,8 @@ public sealed class NatsServerOptsBuilder
         TlsVerify = _tlsVerify,
         EnableJetStream = _enableJetStream,
         ServerName = _serverName,
+        ClientUrlUserName = _clientUrlUserName,
+        ClientUrlPassword = _clientUrlPassword,
         TlsServerCertFile = _tlsServerCertFile,
         TlsServerKeyFile = _tlsServerKeyFile,
         TlsClientCertFile = _tlsClientCertFile,
@@ -110,6 +114,21 @@ public NatsServerOptsBuilder WithServerName(string serverName)
         return this;
     }
 
+    public NatsServerOptsBuilder WithClientUrlAuthentication(string userName, string password)
+    {
+        _clientUrlUserName = userName;
+        _clientUrlPassword = password;
+        return this;
+    }
+
+    public NatsServerOptsBuilder WithClientUrlAuthentication(string authInfo)
+    {
+        var infoParts = authInfo.Split(':');
+        _clientUrlUserName = infoParts.FirstOrDefault();
+        _clientUrlPassword = infoParts.ElementAtOrDefault(1);
+        return this;
+    }
+
     public NatsServerOptsBuilder UseJetStream()
     {
         _enableJetStream = true;
@@ -176,6 +195,10 @@ public NatsServerOpts()
 
     public bool ServerDisposeReturnsPorts { get; init; } = true;
 
+    public string? ClientUrlUserName { get; set; }
+
+    public string? ClientUrlPassword { get; set; }
+
     public string? TlsClientCertFile { get; init; }
 
     public string? TlsClientKeyFile { get; init; }