Exhibit 12.1

COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES

The following table sets forth DriveTime’s ratio of earnings to fixed charges for the periods indicated:

	Year Ended December 31,										Three Months Ended		Six Months Ended
	2005		2006		2007		2008		2009		June 30, 2010
	($ in thousands)
Net Income (loss)	83,040		86,106		71,895		(280	)	51,997		19,322		52,605
Add: Income taxes	1,134		(1,426	)	1,000		1,090		730		450		800
Add: Fixed charges	43,146		64,042		83,694		102,772		115,946		29,948		56,999
Less: Interest capitalized	(193	)	(407	)	(300	)	(83	)	(105	)	(17	)	(32	)
Earnings	127,127		148,315		156,289		103,499		168,568		49,703		110,372
Total interest expense	37,651		57,824		76,701		97,082		110,666		28,498		54,239
Interest component of rent expense-estimated	5,302		5,811		6,693		5,607		5,175		1,433		2,728
Interest capitalized	193		407		300		83		105		17		32
Total fixed charges	43,146		64,042		83,694		102,772		115,946		29,948		56,999
Ratio of earnings to fixed charges(1)	2.9x		2.3x		1.9x		1.0x		1.5x		1.7x		1.9x

(1) The ratio of earnings to fixed charges is defined as earnings divided by fixed charges. For purposes of this calculation, earnings represents net income plus income taxes, fixed charges, less interest capitalized. Fixed charges represents the sum of interest expense (which includes amortization of premiums, discounts and capitalized expenses related to indebtedness), and the component of rental expense that we believe to be representative of the interest factor for those amounts (one-third of rental expense).