diff --git a/src/economy.cpp b/src/economy.cpp
index d78d2cccec..6281c08cdd 100644
--- a/src/economy.cpp
+++ b/src/economy.cpp
@@ -1637,7 +1637,7 @@ static void LoadUnloadVehicle(Vehicle *front)
 	CargoPayment *payment = front->cargo_payment;
 
 	uint artic_part = 0; // Articulated part we are currently trying to load. (not counting parts without capacity)
-	for (Vehicle *v = front; v != NULL; v = v->Next()) {
+	for (Vehicle *v = front; v != NULL && payment != NULL; v = v->Next()) {
 		if (v == front || !v->Previous()->HasArticulatedPart()) artic_part = 0;
 		if (v->cargo_cap == 0) continue;
 		artic_part++;