diff --git a/lghorizon/lghorizon_models.py b/lghorizon/lghorizon_models.py
index 04d8941..ec7135b 100644
--- a/lghorizon/lghorizon_models.py
+++ b/lghorizon/lghorizon_models.py
@@ -504,7 +504,7 @@ def __init__(
         self._token_expiry = None
         self._country_code = country_code
         self._host = COUNTRY_SETTINGS[country_code]["api_url"]
-        self._use_refresh_token = COUNTRY_SETTINGS[country_code]["use_refreshtoken"]
+        self._use_refresh_token = COUNTRY_SETTINGS[country_code]["use_refreshtoken"] or bool(refresh_token)
         self._service_config = None
         self._token_refresh_callback = token_refresh_callback