<ARTICLE>                                           5
<LEGEND>
This financial data schedule  contains summary  financial  information as of and
for the nine months  ended  September  30,  1999,  which is  extracted  from the
Condensed Consolidated Balance Sheets, Statements of Operations,  and Statements
of Cash Flows,  and is qualified  in its entirety by reference to the  financial
statements within the report of Form 10-Q filing.
</LEGEND>
<CIK>                                               0001012704
<NAME>                                              UGLY DUCKLING CORP
<MULTIPLIER>                                                  1,000

                                                   
<PERIOD-TYPE>                                       9-MOS
<FISCAL-YEAR-END>                                   DEC-31-1998
<PERIOD-END>                                        SEP-30-1999
<CASH>                                                        4,165
<SECURITIES>                                                      0
<RECEIVABLES>                                               480,228
<ALLOWANCES>                                                102,511
<INVENTORY>                                                  46,322
<CURRENT-ASSETS>                                                  0
<PP&E>                                                       48,821
<DEPRECIATION>                                               13,940
<TOTAL-ASSETS>                                              522,630
<CURRENT-LIABILITIES>                                             0
<BONDS>                                                           0
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                       0
<COMMON>                                                         19
<OTHER-SE>                                                  162,458
<TOTAL-LIABILITY-AND-EQUITY>                                522,630
<SALES>                                                     307,633
<TOTAL-REVENUES>                                            391,203
<CGS>                                                       173,429
<TOTAL-COSTS>                                                     0
<OTHER-EXPENSES>                                            107,096
<LOSS-PROVISION>                                             84,510
<INTEREST-EXPENSE>                                           15,895
<INCOME-PRETAX>                                              10,273
<INCOME-TAX>                                                  4,200
<INCOME-CONTINUING>                                           6,073
<DISCONTINUED>                                                    0
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                  6,073
<EPS-BASIC>                                                  0.40
<EPS-DILUTED>                                                  0.39