diff --git a/activerecord/lib/active_record/relation/query_methods.rb b/activerecord/lib/active_record/relation/query_methods.rb
index 6f0f2125dc75ed9410a609c6a85316c2afb40496..771785275372ee01fc921c42353f3cc194e73989 100644
--- a/activerecord/lib/active_record/relation/query_methods.rb
+++ b/activerecord/lib/active_record/relation/query_methods.rb
@@ -100,7 +100,7 @@ def #{method_name}=(value)           # def includes_values=(value)
     #
     # === conditions
     #
-    # If you want to add conditions to your included models you'll have
+    # If you want to add string conditions to your included models, you'll have
     # to explicitly reference them. For example:
     #
     #   User.includes(:posts).where('posts.name = ?', 'example')
@@ -111,6 +111,12 @@ def #{method_name}=(value)           # def includes_values=(value)
     #
     # Note that #includes works with association names while #references needs
     # the actual table name.
+    #
+    # If you pass the conditions via hash, you don't need to call #references
+    # explicitly, as #where references the tables for you. For example, this
+    # will work correctly:
+    #
+    #    User.includes(:posts).where(posts: { name: 'example' })
     def includes(*args)
       check_if_method_has_arguments!(:includes, args)
       spawn.includes!(*args)