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,
	2006			2007			2008			2009			2010
	($ in thousands)
Net Income (loss)		86,106			71,895			(280	)		51,997			70,682
Add: Income taxes		(1,426	)		1,000			1,090			730			404
Add: Fixed charges		64,042			83,694			102,772			115,946			103,779
Less: Interest capitalized		(407	)		(300	)		(83	)		(105	)		(186	)
Earnings		148,315			156,289			103,499			168,568			174,679
Total interest expense		57,824			76,701			97,082			110,666			98,102
Interest component of rent expense-estimated		5,811			6,693			5,607			5,175			5,491
Interest capitalized		407			300			83			105			186
Total fixed charges		64,042			83,694			102,772			115,946			103,779
Ratio of earnings to fixed charges(1)		2.3x			1.9x			1.0x			1.5x			1.7x

(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).