EXHIBIT 23.5

                             CONSENT OF INDEPENDENT
                          CERTIFIED PUBLIC ACCOUNTANTS


Smart Choice Automotive Group, Inc.
Titusville, Florida

        We  consent  to the  incorporation  by  reference  in this  registration
statement of Smart Choice Automotive Group, Inc. on Form S-3 of our report dated
March 26, 1997,  except for Note 6, as to which the date is April 12,  1997,  on
our audit of the combined  balance sheets of Liberty Finance  company,  Inc. and
Affiliates (consisting of Liberty Finance Company, Inc.; Wholesale Acquisitions,
Inc.; and Team  Automobile  Sales & Finance,  Inc.), as of December 31, 1996 and
1995, and the related combined statements of operations,  stockholders'  equity,
and cash flows for the two years then ended,  which is included in Smart  Choice
Automotive Group, Inc.'s Current Report on Form 8K/A filed April 14, 1997.

        We also consent to the  reference  to us under the caption  "Experts" in
the prospectus which is a part of this registration statement.


                                     /s/ Osburn, Henning and Company   
                                     ----------------------------------
                                     OSBURN, HENNING AND COMPANY


Orlando, Florida
November 5, 1997