INDEPENDENT AUDITORS' CONSENT



The Board of Directors
Ugly Duckling Corporation:

We consent to the  incorporation by reference in the registration  statements of
Ugly Duckling  Corporation on Form S-3 (File No. 333-31531) filed as of July 18,
1997, as amended by  pre-effective  amendment No. 1 to Form S-3 filed as of July
30, 1997; Form S-3 (File No. 333-22237) filed as post-effective  amendment No. 2
to Form S-1 as of July 18, 1997; Form S-8 (File No. 333-32313) for Ugly Duckling
Corporation  Long-Term  Incentive Plan filed as of July 29, 1997; Form S-8 (File
No. 333-08457) for Ugly Duckling  Corporation  Long-Term Incentive Plan filed as
of July 19, 1996;  Form S-8 (File No.  333-06615) for Ugly Duckling  Corporation
Director  Incentive  Plan  filed as of June 21,  1996;  and Form S-8  (File  No.
333-72717) for Ugly Duckling  Corporation 1998 Executive Incentive Plan filed as
of February 22, 1999,  of our report dated  February  18, 1999,  relating to the
consolidated  balance sheets of Ugly Duckling Corporation and subsidiaries as of
December  31,  1998  and  1997,  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, 1998, which report appears in the December
31, 1998, annual report on Form 10-K of Ugly Duckling Corporation.


                                        KPMG LLP

Phoenix, Arizona
March 26, 1999