EXHIBIT 23.3

                             CONSENT OF INDEPENDENT
                          CERTIFIED PUBLIC ACCOUNTANTS


Smart Choice Holdings, Inc.
Titusville, Florida

     We  hereby  consent  to the  incorporation  by  reference  in this Form S-3
Registration  Statement,  which is being filed by Smart Choice Automotive Group,
Inc., of our report dated March 28, 1997 relating to the financial statements of
Florida  Finance  Group,  Inc.,  Suncoast Auto  Brokers,  Inc. and Suncoast Auto
Brokers   Enterprises,   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
January  28, 1998