EXHIBIT 23.4

                             CONSENT OF INDEPENDENT
                          CERTIFIED PUBLIC ACCOUNTANTS


Smart Choice Automotive Group, Inc.
Titusville, Florida

        We hereby  consent to the  incorporation  by  reference  in the Form S-3
Registration  Statement,  which is being filed by Smart Choice Automotive Group,
Inc., of our report dated April 10, 1997 relating to the financial statements of
225 North Military Corporation, d/b/a Miracle Mile Motors and Palm Beach Finance
Company, Inc. which are incorporated by reference in that Prospectus.

        We also consent to the  reference  to us under the caption  "Experts" in
the Prospectus.


                                /s/ Spence, Marston, Bunch, Morris & Co.   
                                -------------------------------------------
                                Spence, Marston, Bunch, Morris & Co.
                                Certified Public Accountants


Clearwater, Florida
October 31, 1997