EXHIBIT 23.2

INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Amendment No. 3 to Registration Statement No.
333-111161 of Liberte Investors Inc. on Form S-1 of our report dated March 22,
2004 (which report expresses an unqualified opinion and includes an explanatory
paragraph relating to USAuto Holdings, Inc. changing its method of accounting
for goodwill and other intangible assets) on the consolidated financial
statements of USAuto Holdings, Inc. and Subsidiaries as of December 31, 2003 and
2002, and for each of the three years in the period ended December 31, 2003,
appearing in the Joint Proxy Statement/Prospectus, which is part of such
Registration Statement.

We also consent to the reference to us under the heading "Experts" in such
Joint Proxy Statement/Prospectus.



/s/ Deloitte & Touche LLP

Nashville, Tennessee
March 22, 2004