diff --git a/activerecord/lib/active_record/associations/association.rb b/activerecord/lib/active_record/associations/association.rb
index 95e5976dea28..2d211e908c74 100644
--- a/activerecord/lib/active_record/associations/association.rb
+++ b/activerecord/lib/active_record/associations/association.rb
@@ -211,11 +211,11 @@ def create!(attributes = nil, &block)
 
       private
         def find_target
-          if owner.strict_loading?
+          if owner.strict_loading? && owner.validation_context.nil?
             Base.strict_loading_violation!(owner: owner.class, association: klass)
           end
 
-          if reflection.strict_loading?
+          if reflection.strict_loading? && owner.validation_context.nil?
             Base.strict_loading_violation!(owner: owner.class, association: reflection.name)
           end
 
diff --git a/activerecord/test/cases/strict_loading_test.rb b/activerecord/test/cases/strict_loading_test.rb
index c730fbe588ce..fce25c817f92 100644
--- a/activerecord/test/cases/strict_loading_test.rb
+++ b/activerecord/test/cases/strict_loading_test.rb
@@ -86,6 +86,27 @@ def test_raises_if_strict_loading_by_default_and_lazy_loading
     end
   end
 
+  def test_strict_loading_is_ignored_in_validation_context
+    with_strict_loading_by_default(Developer) do
+      developer = Developer.first
+      assert_predicate developer, :strict_loading?
+
+      assert_nothing_raised do
+        AuditLogRequired.create! developer_id: developer.id, message: "i am a message"
+      end
+    end
+  end
+
+  def test_strict_loading_with_reflection_is_ignored_in_validation_context
+    with_strict_loading_by_default(Developer) do
+      developer = Developer.first
+      assert_predicate developer, :strict_loading?
+
+      developer.required_audit_logs.build(message: "I am message")
+      developer.save!
+    end
+  end
+
   def test_preload_audit_logs_are_strict_loading_because_parent_is_strict_loading
     developer = Developer.first
 
diff --git a/activerecord/test/models/developer.rb b/activerecord/test/models/developer.rb
index f4c051e691f3..1b48362f4162 100644
--- a/activerecord/test/models/developer.rb
+++ b/activerecord/test/models/developer.rb
@@ -72,6 +72,7 @@ def find_least_recent
                           class_name: "SpecialProject"
 
   has_many :audit_logs
+  has_many :required_audit_logs, class_name: "AuditLogRequired"
   has_many :strict_loading_audit_logs, -> { strict_loading }, class_name: "AuditLog"
   has_many :strict_loading_opt_audit_logs, strict_loading: true, class_name: "AuditLog"
   has_many :contracts
@@ -125,6 +126,11 @@ class AuditLog < ActiveRecord::Base
   belongs_to :unvalidated_developer, class_name: "Developer"
 end
 
+class AuditLogRequired < ActiveRecord::Base
+  self.table_name = "audit_logs"
+  belongs_to :developer, required: true
+end
+
 class DeveloperWithBeforeDestroyRaise < ActiveRecord::Base
   self.table_name = "developers"
   has_and_belongs_to_many :projects, join_table: "developers_projects", foreign_key: "developer_id"