1
                                                                    EXHIBIT 23.1


                          INDEPENDENT AUDITORS' CONSENT

         We consent to the reference to our firm under the caption "Experts" in
the Registration Statement (Form S-3) and related Prospectus of Affinity
Technology Group, Inc. for the registration of 969,696 shares of its common
stock and to the incorporation by reference therein of our report dated March
29, 2000, with respect to the consolidated financial statements and schedule of
Affinity Technology Group, Inc. included in its Annual Report (Form 10-K) for
the year ended December 31, 1999, filed with the Securities and Exchange
Commission.


                                           /s/ Ernst & Young LLP
                                           ----------------------------
                                           Ernst & Young LLP


Greenville, South Carolina
July 21, 2000