Direct emissions
273
tCO2e
N
Nemo Personal Loans
Explore carbon emissions data for Nemo Personal Loans. Mycelium helps you review reported emissions, disclosure status, Scope 1, Scope 2 and Scope 3 data, climate targets and sustainability information in one company profile.
This profile brings together available carbon emissions data for Nemo Personal Loans, including reported figures, modelled estimates, disclosure documents and sustainability indicators, so you can review its emissions and compare its performance against similar companies. Read how we source and check this data.
Emissions
Carbon emissions
Total yearly emissions across all scopes
344,576 tCO2e
Scope 1
tCO2e
273
Scope 2
tCO2e
1
Scope 3 total
tCO2e
344,301
Scope 3 reported
- 1
- 2
- 3
- 4
- 5
- 6
- 7
- 8
- 9
- 10
- 11
- 12
- 13
- 14
- 15
Provenance
Emissions
Factors
25,907,946
kgCO2e / £M
Supplier specific emission factors (kgCO2e / £M)
Modelled
Reported
Scope 1 + 2
Direct + purchased energy
20,639
20,639
Upstream
+ upstream Scope 3
268,418
267,301
Total
+ all Scope 3
25,907,946
25,831,211
Which figure should I use?
Use Modelled. It is the most complete view: any categories the company hasn't disclosed are filled with industry-typical estimates, so a transparent company isn't unfairly penalised against one that simply hasn't reported.
Reported counts only emissions the company has filed itself. A blank or low Reported cell doesn't mean those emissions don't exist, just that the company hasn't disclosed them.
When Reported sits close to Modelled, that is a positive signal. The company has disclosed most of its salient emissions and there's little gap for the model to fill. Even then, Modelled is the right figure to use for a like-for-like comparison across companies.
Sustainability
Snapshot
Based on reported data, retrieved with AI
- Nemo Personal Loans reported 344,576 tCO₂e in 2025.
- Scope 3 accounted for 100% of emissions.
- Reported across 8 of 15 GHG Protocol Scope 3 categories.
According to available emissions disclosures, Nemo Personal Loans reported total yearly emissions of 344,576 tCO₂e in 2025. Scope 3 emissions accounted for 100% of reported output, indicating supply chain activity, purchased goods and services, business travel, and wider operational dependencies were the most significant contributors to the company's carbon footprint.
The company achieved a Mycelium Score of 0.0, placing it well below average for its sector for sustainability performance, and received a transparency score of 48.5, pointing to fairly limited disclosure, with notable gaps in key areas.
Total Emissions across all scopes
344,576 tCO2e
Scope 1 emissions
Direct emissions from sources the company owns or controls, such as fuel use, facilities and vehicles.
Scope 2 emissions
Indirect emissions from purchased energy, including electricity, heating and cooling.
Location based
1
tCO2eMarket based
–
tCO2eScope 3 emissions
Wider value chain emissions across the 15 GHG Protocol categories, from purchased goods and business travel to investments, where reported.
Cat 1
Purchased goods & services
2,034
tCO2eCat 2
Capital goods
469
tCO2eCat 3
Fuel & energy related activities
104
tCO2eCat 4
Upstream transportation & distribution
49
tCO2eCat 5
Waste generated in operations
15
tCO2eCat 6
Business travel
73
tCO2eCat 7
Employee commuting
536
tCO2eCat 8
Upstream leased assets
15
tCO2eCat 9
Downstream transportation & distribution
15
tCO2eCat 10
Processing of sold products
15
tCO2eCat 11
Use of sold products
931
tCO2eCat 12
End-of-life treatment of sold products
15
tCO2eCat 13
Downstream leased assets
15
tCO2eCat 14
Franchises
15
tCO2eCat 15
Investments
340,000
tCO2e7 values were derived via Mycelium's normalisation process rather than reported by the company. Cells marked “–” were not disclosed.
Contact Info
Website
www.nemo-loans.co.ukAddress
PRINCIPALITY HOUSE
THE FRIARY
CARDIFF
CF10 3FA
Country
United Kingdom
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How scoring works
How the Mycelium Score is calculated
The Mycelium Score is out of 10. Up to 6.5 points reflect carbon intensity vs sector peers (emissions normalised against revenue). The remaining 3.5 reflect data quality: third-party verified, profile claimed by the company, and full disclosure across all reporting categories.
A higher score means lower carbon intensity than sector peers, backed by data that's third-party verified, claimed by the company, and fully disclosed. Nemo Personal Loans's score sits at the top of this page and in the score panel.
How the Transparency Score is calculated
The Transparency Score measures how much of a company's key emissions data is publicly disclosed, graded from A (very high) down to F (very low). Crucially, it weights each gap by how material that bucket is for the company's industry, so an undisclosed category where the bulk of emissions sit hurts far more than a minor one.
Nemo Personal Loans has disclosed the emissions categories that are material for its industry, so there's no single bucket dragging the transparency score down. The breakdown above shows full coverage across the categories that matter most for this kind of company.
Read the full scoring methodology
Our white paper covers exactly how the Mycelium Score and Transparency Score are calculated, including the normalisation process and what earns a 10/10.
Download the white paper (PDF)
Nemo Personal Loans carbon emissions FAQs
What are Nemo Personal Loans's carbon emissions?
In its 2025 reporting year, Nemo Personal Loans disclosed total emissions of 344,576 tCO2e across all scopes. Scope 3 accounted for the largest share, around 100% of the total.
Does Nemo Personal Loans report Scope 1, Scope 2 and Scope 3 emissions?
For 2025, Nemo Personal Loans's available disclosure covers Scope 1 (273 tCO2e), Scope 2 (1 tCO2e), Scope 3 across 8 of the 15 GHG Protocol categories. Figures not reported by the company are shown as modelled estimates and labelled as such.
How transparent is Nemo Personal Loans's emissions reporting?
Nemo Personal Loans has a Mycelium transparency score of 48.5 out of 100. The score weights each emissions category by how material it is for the company's industry, so it reflects whether the disclosures that matter most have been made.
Is Nemo Personal Loans sustainable?
Mycelium measures sustainability through carbon emissions data rather than giving a yes or no verdict. Nemo Personal Loans has a Mycelium Score of 0 out of 10, which reflects its emissions intensity against sector peers together with how transparent and well-verified its reporting is. The emissions figures, disclosure documents and climate targets on this page give the fuller picture.
Is Nemo Personal Loans environmentally friendly?
Carbon emissions are one measurable part of environmental impact, and the part Mycelium tracks. Nemo Personal Loans disclosed 344,576 tCO2e for 2025, and its Mycelium Score of 0 out of 10 shows how that performance compares with similar companies in its sector.
Learn more about our methodology and where this data comes from.
