EXHIBIT 23.5

                             CONSENT OF INDEPENDENT
                          CERTIFIED PUBLIC ACCOUNTANTS



     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
January 29, 1998