Independent Auditors' Consent The Board of Directors Ugly Duckling Corporation: We consent to incorporation by reference in the registration statements (No. 33-06615 and No. 33-08457) on Form S-8 of Ugly Duckling Corporation of our report dated January 31, 1997, except for note 19 to the consolidated financial statements which are as of February 13, 1997, relating to the consolidated balance sheets of Ugly Duckling Corporation and subsidiaries as of December 31, 1996 and 1995, and the related consolidated statements of operations, stockholders' equity, and cash flows for each of the years in the three-year period ended December 31, 1996, which report appears in the December 31, 1996 annual report on Form 10-K of Ugly Duckling Corporation. KPMG Peat Marwick LLP Phoenix, Arizona March 26, 1997 122