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