# Nova Credit Platform API

**Canonical:** https://apis.io/apis/nova-credit/nova-credit-platform-api/  
**Provider:** Nova Credit — https://apis.io/providers/nova-credit/  
**Base URL:** https://api.novacredit.com  
**Documentation:** https://docs.novacredit.com

Nova Credit Platform API is published by [Nova Credit](https://apis.io/providers/nova-credit/) on the [APIs.io](https://apis.io/) network. Tagged areas include Credit Data, Income Verification, and Underwriting. The published artifact set on APIs.io includes API documentation, an API reference, a getting-started guide, and authentication docs.

Unified REST API surface across Nova Credit's products (Credit Passport v4, Cash Atlas v2, Income Navigator v2, Eligibility Compass v1). Server-side clients authenticate with HTTP Basic to mint a short-lived Bearer accessToken, then create consumers, initialize NovaConnect sessions, and retrieve JWE-encrypted reports.

## Machine-readable artifacts (7)

- **Documentation** — https://docs.novacredit.com
- **APIReference** — https://docs.novacredit.com/credit-passport/v4
- **GettingStarted** — https://docs.novacredit.com/credit-passport-quickstart
- **Authentication** — https://raw.githubusercontent.com/api-evangelist/nova-credit/refs/heads/main/authentication/nova-credit-authentication.yml
- **Sandbox** — https://api.sandbox.novacredit.com
- **Webhooks** — https://raw.githubusercontent.com/api-evangelist/nova-credit/refs/heads/main/asyncapi/nova-credit-webhooks.yml
- **APIsJSON** — https://raw.githubusercontent.com/api-evangelist/nova-credit/refs/heads/main/apis.yml

## Tags

Credit Data, Income Verification, Underwriting

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/nova-credit/nova-credit-platform-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/nova-credit/.