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 September 30,			Nine Months Ended September 30,
	2005			2006			2007			2008			2009			2010			2010
	($ in thousands)
Net Income (loss)		83,040			86,106			71,895			(280	)		51,997			19,232			71,837
Add: Income taxes		1,134			(1,426	)		1,000			1,090			730			(747	)		53
Add: Fixed charges		43,146			64,042			83,694			102,772			115,946			26,029			83,029
Less: Interest capitalized		(193	)		(407	)		(300	)		(83	)		(105	)		(76	)		(108	)
Earnings		127,127			148,315			156,289			103,499			168,568			44,438			154,811
Total interest expense		37,651			57,824			76,701			97,082			110,666			24,627			78,867
Interest component of rent expense-estimated		5,302			5,811			6,693			5,607			5,175			1,326			4,054
Interest capitalized		193			407			300			83			105			76			108
Total fixed charges		43,146			64,042			83,694			102,772			115,946			26,029			83,029
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).