diff --git a/src/diffusers/loaders/lora_base.py b/src/diffusers/loaders/lora_base.py
index 5b5579664b55..7465e9d3484c 100644
--- a/src/diffusers/loaders/lora_base.py
+++ b/src/diffusers/loaders/lora_base.py
@@ -376,6 +376,14 @@ def _load_lora_into_text_encoder(
         # convert state dict
         state_dict = convert_state_dict_to_peft(state_dict)
 
+        # transformers>=5 flattened CLIPTextModel: the `text_model.` wrapper module
+        # was removed, so the encoder submodules (and `named_modules()`) are no longer
+        # prefixed with `text_model.`. kohya-style LoRAs are converted with that prefix,
+        # so strip it when the text encoder is flattened to keep the keys aligned with
+        # the module names; otherwise `rank` stays empty and loading fails (#13984).
+        if not hasattr(text_encoder, "text_model"):
+            state_dict = {k.removeprefix("text_model."): v for k, v in state_dict.items()}
+
         for name, _ in text_encoder.named_modules():
             if name.endswith((".q_proj", ".k_proj", ".v_proj", ".out_proj", ".fc1", ".fc2")):
                 rank_key = f"{name}.lora_B.weight"
diff --git a/tests/lora/test_lora_layers_flux.py b/tests/lora/test_lora_layers_flux.py
index b840d7ac72ce..32330abddd5e 100644
--- a/tests/lora/test_lora_layers_flux.py
+++ b/tests/lora/test_lora_layers_flux.py
@@ -24,7 +24,7 @@
 import torch
 from parameterized import parameterized
 from PIL import Image
-from transformers import AutoTokenizer, CLIPTextModel, CLIPTokenizer, T5EncoderModel
+from transformers import AutoTokenizer, CLIPTextConfig, CLIPTextModel, CLIPTokenizer, T5EncoderModel
 
 from diffusers import FlowMatchEulerDiscreteScheduler, FluxControlPipeline, FluxPipeline, FluxTransformer2DModel
 from diffusers.utils import load_image, logging
@@ -272,6 +272,58 @@ def test_modify_padding_mode(self):
     def test_simple_inference_with_text_denoiser_multi_adapter_block_lora(self):
         pass
 
+    def test_kohya_clip_text_encoder_lora_loads_with_flattened_clip(self):
+        # Regression test for #13984: a kohya FLUX LoRA carrying CLIP text-encoder
+        # weights (lora_te1_*) must load even when transformers flattens
+        # CLIPTextModel (drops the `text_model.` wrapper). Previously the converted
+        # keys kept the `text_model.` prefix while the module names did not, so the
+        # rank dict came out empty and loading raised an IndexError.
+        from diffusers.loaders.lora_base import _load_lora_into_text_encoder
+        from diffusers.loaders.lora_conversion_utils import _convert_kohya_flux_lora_to_diffusers
+
+        rank, hidden, inter = 4, 32, 64
+        text_encoder = CLIPTextModel(
+            CLIPTextConfig(
+                hidden_size=hidden,
+                intermediate_size=inter,
+                num_hidden_layers=1,
+                num_attention_heads=2,
+                vocab_size=100,
+                max_position_embeddings=77,
+            )
+        )
+        self.assertFalse(hasattr(text_encoder, "text_model"))  # flattened (transformers>=5)
+
+        shapes = {
+            "self_attn_q_proj": (hidden, hidden),
+            "self_attn_k_proj": (hidden, hidden),
+            "self_attn_v_proj": (hidden, hidden),
+            "self_attn_out_proj": (hidden, hidden),
+            "mlp_fc1": (inter, hidden),
+            "mlp_fc2": (hidden, inter),
+        }
+        kohya_state_dict = {}
+        for module, (out_features, in_features) in shapes.items():
+            base = f"lora_te1_text_model_encoder_layers_0_{module}"
+            kohya_state_dict[f"{base}.lora_down.weight"] = torch.randn(rank, in_features)
+            kohya_state_dict[f"{base}.lora_up.weight"] = torch.randn(out_features, rank)
+            kohya_state_dict[f"{base}.alpha"] = torch.tensor(float(rank))
+
+        converted = _convert_kohya_flux_lora_to_diffusers(kohya_state_dict)
+
+        _load_lora_into_text_encoder(
+            state_dict=converted,
+            network_alphas=None,
+            text_encoder=text_encoder,
+            prefix="text_encoder",
+        )
+
+        # The adapter must actually be injected onto the CLIP attention/MLP layers.
+        self.assertTrue(len(text_encoder.peft_config) > 0)
+        k_proj = text_encoder.encoder.layers[0].self_attn.k_proj
+        self.assertTrue(hasattr(k_proj, "lora_A"))
+        self.assertEqual(k_proj.lora_A["default_0"].weight.shape[0], rank)
+
 
 class FluxControlLoRATests(unittest.TestCase, PeftLoraLoaderMixinTests):
     pipeline_class = FluxControlPipeline