Exhibit 23


                          INDEPENDENT AUDITORS' CONSENT


The Board of Trustees
World Acceptance Corporation Retirement Savings Plan:

We consent to incorporation by reference in the Registration Statement (Nos.
33-52166, 33-98938 and 333-14399) on Form S-8 of World Acceptance Corporation of
our report dated July 2, 2002, relating to the statements of net assets
available for benefits of the World Acceptance Corporation Retirement Savings
Plan as of December 31, 2001 and 2000, and the related statements of changes in
net assets available for benefits for the years then ended, as well as the
related financial statement schedule, which report appears in the December 31,
2001 annual report on Form 11-K of the World Acceptance Corporation Retirement
Savings Plan.

/s/ KPMG LLP


Greenville, South Carolina
July 11, 2002

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