EXHIBIT 23.3

                        CONSENT OF INDEPENDENT AUDITORS

Smart Choice Automotive Group, Inc.
Titusville, Florida

     We hereby consent to the use in the Prospectus constituting a part of this
Registration Statement on Form S-1 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 contained in that Prospectus.

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

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

Orlando, Florida
August 18, 1998