diff --git a/lib/bundler.rb b/lib/bundler.rb
index 0c24a21d7a5..8ad5ab66347 100644
--- a/lib/bundler.rb
+++ b/lib/bundler.rb
@@ -197,19 +197,19 @@ def tmp_home_path(login, warning)
     def user_bundle_path(dir = "home")
       env_var, fallback = case dir
                           when "home"
-                            ["BUNDLE_USER_HOME", Pathname.new(user_home).join(".bundle")]
+                            ["BUNDLE_USER_HOME", proc { Pathname.new(user_home).join(".bundle") }]
                           when "cache"
-                            ["BUNDLE_USER_CACHE", user_bundle_path.join("cache")]
+                            ["BUNDLE_USER_CACHE", proc { user_bundle_path.join("cache") }]
                           when "config"
-                            ["BUNDLE_USER_CONFIG", user_bundle_path.join("config")]
+                            ["BUNDLE_USER_CONFIG", proc { user_bundle_path.join("config") }]
                           when "plugin"
-                            ["BUNDLE_USER_PLUGIN", user_bundle_path.join("plugin")]
+                            ["BUNDLE_USER_PLUGIN", proc { user_bundle_path.join("plugin") }]
                           else
                             raise BundlerError, "Unknown user path requested: #{dir}"
       end
       # `fallback` will already be a Pathname, but Pathname.new() is
       # idempotent so it's OK
-      Pathname.new(ENV.fetch(env_var, fallback))
+      Pathname.new(ENV.fetch(env_var, &fallback))
     end
 
     def user_cache
diff --git a/spec/bundler/bundler_spec.rb b/spec/bundler/bundler_spec.rb
index e33c8dc6061..9b772bffef7 100644
--- a/spec/bundler/bundler_spec.rb
+++ b/spec/bundler/bundler_spec.rb
@@ -457,6 +457,7 @@ def clear_cached_requires_sudo
 
       it "should use custom home path as root for other paths" do
         ENV["BUNDLE_USER_HOME"] = bundle_user_home_custom.to_s
+        allow(Bundler.rubygems).to receive(:user_home).and_raise
         expect(Bundler.user_bundle_path).to           eq(bundle_user_home_custom)
         expect(Bundler.user_bundle_path("home")).to   eq(bundle_user_home_custom)
         expect(Bundler.user_bundle_path("cache")).to  eq(bundle_user_home_custom.join("cache"))