diff --git a/internal/config/runtime.go b/internal/config/runtime.go
index 7661faaa..75e94b32 100644
--- a/internal/config/runtime.go
+++ b/internal/config/runtime.go
@@ -21,12 +21,18 @@ func InDocker() bool {
 	return dockerCached
 }
 
-// DockerLocalhost rewrites localhost in url to host.docker.internal
+// DockerLocalhost rewrites localhost or 127.0.0.1 in url to host.docker.internal
 // when running inside Docker, so the container can reach host services.
-// Returns the url unchanged when not in Docker or when it doesn't contain localhost.
+// Returns the url unchanged when not in Docker or when it doesn't reference loopback.
 func DockerLocalhost(url string) string {
-	if InDocker() && strings.Contains(url, "localhost") {
+	if !InDocker() {
+		return url
+	}
+	if strings.Contains(url, "localhost") {
 		return strings.Replace(url, "localhost", "host.docker.internal", 1)
 	}
+	if strings.Contains(url, "127.0.0.1") {
+		return strings.Replace(url, "127.0.0.1", "host.docker.internal", 1)
+	}
 	return url
 }
diff --git a/internal/http/providers.go b/internal/http/providers.go
index fcb6c6c5..28297411 100644
--- a/internal/http/providers.go
+++ b/internal/http/providers.go
@@ -142,10 +142,14 @@ func (h *ProvidersHandler) registerInMemory(p *store.LLMProviderData) {
 		h.providerReg.RegisterForTenant(p.TenantID, providers.NewClaudeCLIProvider(cliPath, cliOpts...))
 		return
 	}
-	// Ollama doesn't need an API key — inject a dummy value like startup does.
+	// Ollama doesn't need an API key — handle before the key guard (same as startup).
 	// In Docker, swap localhost → host.docker.internal so the container can reach the host.
 	if p.ProviderType == store.ProviderOllama {
-		h.providerReg.RegisterForTenant(p.TenantID, providers.NewOpenAIProvider(p.Name, "ollama", config.DockerLocalhost(p.APIBase), "llama3.3"))
+		host := p.APIBase
+		if host == "" {
+			host = "http://localhost:11434"
+		}
+		h.providerReg.RegisterForTenant(p.TenantID, providers.NewOpenAIProvider(p.Name, "ollama", config.DockerLocalhost(host+"/v1"), "llama3.3"))
 		return
 	}
 	if p.APIKey == "" {