diff --git a/src/test/app/lending/LoanBase.h b/src/test/app/lending/LoanBase.h
index 4c36c80b21..9f0de17383 100644
--- a/src/test/app/lending/LoanBase.h
+++ b/src/test/app/lending/LoanBase.h
@@ -416,7 +416,8 @@ protected:
 
         auto const coverRateMinValue = params.coverRateMin;
 
-        auto [vaultCreateTx, vaultKeylet] = vault.create({.owner = lender, .asset = asset});
+        auto [vaultCreateTx, vaultKeylet] =
+            vault.create({.owner = lender, .asset = asset, .sequence = sequence});
 
         auto vaultDepositTx =
             vault.deposit({.depositor = lender, .id = vaultKeylet.key, .amount = deposit});
diff --git a/src/test/jtx/impl/vault.cpp b/src/test/jtx/impl/vault.cpp
index 49c0dddaec..785fdf8da0 100644
--- a/src/test/jtx/impl/vault.cpp
+++ b/src/test/jtx/impl/vault.cpp
@@ -14,7 +14,8 @@ namespace jtx {
 std::tuple<Json::Value, Keylet>
 Vault::create(CreateArgs const& args) const
 {
-    auto keylet = keylet::vault(args.owner.id(), env.seq(args.owner));
+    auto sequence = args.sequence ? *args.sequence : env.seq(args.owner);
+    auto keylet = keylet::vault(args.owner.id(), sequence);
     Json::Value jv;
     jv[jss::TransactionType] = jss::VaultCreate;
     jv[jss::Account] = args.owner.human();
diff --git a/src/test/jtx/vault.h b/src/test/jtx/vault.h
index 748d3341a5..81fb025694 100644
--- a/src/test/jtx/vault.h
+++ b/src/test/jtx/vault.h
@@ -26,6 +26,7 @@ struct Vault
         Account owner;
         Asset asset;
         std::optional<std::uint32_t> flags{};
+        std::optional<uint32_t> sequence = std::nullopt;
     };
 
     /** Return a VaultCreate transaction and the Vault's expected keylet. */