…with the exception of autocomplete, which can’t use models you have API keys for.
If you don’t have Pro and mouse over Copilot++, you’ll see this:
Though I am able to use e.g. Claude via the Ctrl+L or Ctrl+K chats with my API key, Copilot++ autocomplete is disabled because it uses a custom model run by Cursor in the cloud, not any of the models you can toggle in the Cursor Settings.