EXHIBIT 10.21

                     FOURTH AMENDED AND RESTATED SCHEDULE TO
                              AMENDED AND RESTATED
                           LOAN AND SECURITY AGREEMENT

Borrower:                  FLORIDA FINANCE GROUP  INC.
                           LIBERTY FINANCE COMPANY

Address:                   5200 S. WASHINGTON
                           TITUSVILLE, FLORIDA 32780-7316

Borrower:                  SMART CHOICE RECEIVABLES HOLDING COMPANY
                           P. O. Box 50102
                           Henderson, NV 89016

Date:                      MARCH 27, 1998

     This Fourth Amended and Restated  Schedule  ("Fourth Amended  Schedule") is
executed in  conjunction  with a certain  Amended and Restated Loan and Security
Agreement  ("Agreement")  of February 4, 1997,  by and  between  FINOVA  Capital
Corporation,  as Lender,  and the above  Borrowers,  as  Borrower.  This  Fourth
Amended  Schedule is an amendment and restatement of the Schedule to Amended and
Restated Loan and Security Agreement, dated of even date with the Agreement. and
that certain  First  Amended and Restated  Schedule to Amended and Restated Loan
and Security  Agreement,  dated April 22, 1997,  that certain Second Amended and
Restated Schedule to Amended and Restated Loan and Security Agreement, dated May
7, 1997 and that  certain  Third  Amended and  Restated  Schedule to Amended and
Restated Loan and Security  Agreement,  dated  December 30, 1997.  The terms and
provisions of this Fourth Amended  Schedule shall supersede all prior schedules.
All references to Section numbers herein refer to Sections in the Agreement.

================================================================================

1.A. BORROWERS (SECTION 1).

     All  references  to  "Borrower"  in any and all Loan  Documents  are hereby
     modified to include the following  Borrower,  as co-borrowers,  jointly and
     severally:

     Florida Finance Group, Inc. -               "FFG" or "Lead Borrower"

     Liberty Finance Company  -                  "Liberty"

     Smart Choice Receivables Holding Company    "Smart Choice Receivables"


1.13.A. MAXIMUM AMOUNT OF AN ELIGIBLE RECEIVABLE (SECTION 1.13).

     The term "Maximum Amount of an Eligible  Receivable"  shall mean the sum of
     Twenty Thousand Dollars  ($20,000.00)  remaining due thereon at any date of
     determination.

1.13.B. MAXIMUM TERM OF AN ELIGIBLE RECEIVABLE (SECTION 1.13).

     The "Maximum  Term of an Eligible  Receivable"  shall be  Forty-Eight  (48)
     months remaining until the due date of such Eligible Receivable at any date
     of determination.

1.13.C. AGING PROCEDURES AND ELIGIBILITY TEST (SECTION 1.13.)

     AGING PROCEDURES FOR A CONTRACTUAL AGING:

          1. No payment missed or due       =  Current.

          2. 1 to 30 days past due          = "30 day Account".

          3. 31 to 60 days past due         = "60 day Account".

          4. 61 or more days past due       = "60 + day Account"

     ELIGIBILITY TEST:

     The  term  "Eligibility   Test"  shall  mean  the  test  to  determine  the
     eligibility of a Receivable  for the purposes of Section 1.13 hereof,  that
     test,  being as follows:  no payment due on said Receivable  remains unpaid
     more than sixty (60) days from the specific  date on which such payment was
     due pursuant to the terms of said Receivable.

1.15 GUARANTOR (WHETHER ONE OR MORE) (SECTION 1.15)

     Smart Choice Holdings, Inc.

     Smart Choice Automotive Group, Inc. 
     (formerly known as Eckler Industries, Inc.)

1.22 MODIFICATION TO THE DEFINITION OF "LEVERAGE RATIO" (SECTION 1.22)

     Section  1.22 of the  Agreement  is hereby  deleted in its entirety and the
     following is substituted in lieu thereof:

          "1.22 LEVERAGE  RATIO. The term  "Leverage  Ratio" shall mean, at any
          date of determination,  total consolidated liabilities of Smart Choice
          Automotive Group, Inc. ("SMAG"),  including the outstanding balance of
          the  Indebtedness,  less the  outstanding  balance due pursuant to all
          subordinated  debt  which has been  subordinated  to all the rights of
          Lender  with  respect to the  Guaranty  Agreement  of SMAG in favor of
          Lender,   in  a  form  and  substance   acceptable  to  Lender  ("SMAG
          Subordinated  Debt"),  divided  by the  sum of the  amount  of  SMAG's
          consolidated  tangible net worth,  as the term "tangible net worth" is
          defined  in  the  Agreement   with  respect  to  Borrower,   plus  the
          outstanding balance due pursuant to all SMAG Subordinated Debt."

2.1.A. AMOUNT OF REVOLVING CREDIT LINE (SECTION 2.1):

     Thirty Five Million Dollars ($35,000,000.00)

     (i)  If the date of  determination is on or before April 30, 1998, then the
          Amount of  Revolving  Credit  Line  shall be  Forty-Two  Million  Five
          Hundred Thousand Dollars ($42,500,000.00).  Seven Million Five Hundred
          Thousand Dollars  ($7,500,000.00) of the  $42,500,000.00  represents a
          temporary overline granted to Borrower that expires on April 30, 1998.

     (ii) If the date of  determination is after April 30, 1998, then the Amount
          of  Revolving  Credit  Line  shall  be  Thirty-Five   Million  Dollars
          ($35,000,000.00).

2.1.B. AVAILABILITY ON ELIGIBLE RECEIVABLES (SECTION 2.1):

     The  "Availability  on Eligible  Receivables"  shall be an amount equal to,
     with respect to all Eligible  Receivables,  on the date of determination as
     follows:

     (i)  if the  date of  determination  is on or  before  the  earlier  of (a)
          December 31, 1997, or (b) the effective date of a public  offering for
          the sale of securities by Smart Choice  Automotive  Group, Inc. or any
          subsidiary  thereof,  then with  respect to each  Eligible  Receivable
          sixty percent  (60%) of the aggregate  unmatured and unpaid amount due
          to Borrower  from the Account  Debtor  named  thereon,  including  all
          unearned finance charges,  time price  differentials,  insurance fees,
          discounts,  holdbacks  and  other  fees and  charges  pursuant  to the
          Eligible Receivables; or

     (ii) if the date of  determination is after the earlier of (a) December 31,
          1997, or (b) the effective  date of a public  offering for the sale of
          securities by Smart Choice  Automotive  Group,  Inc. or any subsidiary
          thereof,  then with  respect to each  Eligible  Receivable  fifty-five
          percent  (55%) of the  aggregate  unmatured  and unpaid  amount due to
          Borrower from the Account Debtor named thereon, including all unearned
          finance charges, time price differentials,  insurance fees, discounts,
          holdbacks  and  other  fees  and  charges  pursuant  to  the  Eligible
          Receivables

     Notwithstanding  any  provision  contained  in the  Loan  Documents  to the
     contrary, if for the twelve (12) calendar month period immediately prior to
     any  date of  determination,  the  Collateral  Recovery  Rate is less  than
     seventy percent (70%), or if on any date of  determination,  the Collateral
     Performance  Percentage is greater than ten percent (10.0%), then in either
     event,  Lender,  in its  sole  and  absolute  discretion,  may  modify  the
     Availability on Eligible advance percentage set forth above.

2.2. STATED INTEREST RATE (SECTION 2.2).

     The lesser of (i) the Governing Rate plus three percent  (3.00%) per annum;
     or (ii) the Maximum Rate.

2.3. MATURITY DATE (SECTION 2.3.C).

     The primary term of this  Agreement  shall expire on December 31, 1999.  If
     Borrower  desires to extend the primary term or any term thereafter of this
     Agreement,  Borrower  shall give Lender  notice of its intent to extend the
     term no earlier  than one hundred  and eighty  (180) days and no later than
     one  hundred  and fifty  (150)  days prior to any  expiration  date of this
     Agreement.  Upon the receipt by Lender of  Borrower's  notice to extend the
     term of this  Agreement,  if Lender desires to renew and extend the term of
     this  Agreement,  Lender shall give Borrower  notice of Lender's  intent to
     extend  the term of this  Agreement,  within  sixty  (60) days of  Lender's
     receipt of  Borrower's  notice to extend.  If Lender does not give Borrower
     notice of Lender's  intent to extend the term of this Agreement  within the
     sixty (60) days period, then it shall be deemed that Lender does not intend
     to  renew  and  extend  the  term of this  Agreement.  Notwithstanding  the
     foregoing,  the  Borrower's  obligation  pursuant to this  Agreement  shall
     remain in full force and  effect  until the  Indebtedness  due and owing to
     Lender has been paid in full.

2.6. LIQUIDATED DAMAGES (SECTION 2.6).

     The amount of "Liquidated Damages" shall be as follows:

     (i)  if on or prior to December 31, 1997,  Borrower pays the balance of the
          Indebtedness  in  full  and  Borrower  requests  Lender  to  terminate
          Lender's   security   interest  in  the  Collateral,   the  amount  of
          "Liquidated Damages" shall be an amount equal to three percent (3%) of
          the Amount of Revolving Credit Line;

     (ii) if on or prior to December 31, 1998,  but on or after January 1, 1998,
          Borrower  pays the balance of the  Indebtedness  in full and  Borrower
          requests  Lender  to  terminate  Lender's  security  interest  in  the
          Collateral,  the  amount of  "Liquidated  Damages"  shall be an amount
          equal to two percent (2%) of the Amount of Revolving Credit Line;

     (iii)if prior to  December  31,  1999,  but on or after  January  1,  1999,
          Borrower  pays the balance of the  Indebtedness  in full and  Borrower
          requests  Lender  to  terminate  Lender's  security  interest  in  the
          Collateral,  the  amount of  "Liquidated  Damages"  shall be an amount
          equal to one percent (1%) of the Amount of Revolving Credit Line.

2.11. FACILITY FEE (SECTION 2.11).

     A Facility Fee shall not be due for any  calender  month ending on or after
     April 30, 1997.

2.12 CO-BORROWER PROVISIONS (SECTIONS 2.12, 2.13, AND 2.14)

     The  following  Sections  2.12,  2.13  and  2.14  are  hereby  added to the
     Agreement: 

     2.12 APPLICATION OF PAYMENTS.  All payments and collections shall be deemed
     to be comprised of a pro rata  remittance or payment made by each Borrower,
     based upon the  proportion  that the Eligible  Receivables of each Borrower
     bears to the aggregate of all Eligible Receivables of the Borrowers,  as of
     the date on which such remittance or payment is received by Lender.  In the
     event such remittance or payment shall be made by the Lead Borrower, acting
     as agent or trustee for the other Borrowers,  each Borrower shall be deemed
     to have made their  proportionate  amount of such  remittance or payment to
     Lender by and through such agent or trustee.

     2.13.  ADVANCES TO LEAD BORROWER.  Borrower does hereby  irrevocably  agree
     that in the event  Lender  makes  advances  to Lead  Borrower,  as agent or
     trustee for each of Borrower,  as  contemplated  in Section 2.14, each such
     advance shall be deemed to be made to each Borrower based upon a proportion
     that each  Borrower's  Eligible  Receivables  bear to the  aggregate of all
     Eligible   Receivables   of  Borrower,   notwithstanding   any   subsequent
     disbursement  of said  advance  by the Lead  Borrower,  acting  as agent or
     trustee for the Borrowers. In the event that the actual advances, direct or
     indirect,  received by Lead  Borrower or any other  Borrower or the balance
     due  to  Lender  as  shown  in  the  records  of  any  Borrower   shall  be
     disproportionate   when   compared  to  the   proportion  of  the  Eligible
     Receivables of each Borrower, whether by way of subsequent disbursements by
     Lead  Borrower,  acting as agent or trustee,  by way of Lender  electing to
     make  advances  to  each  Borrower,  as  contemplated  in  Section  2.14 or
     otherwise,  such  disproportionalities  shall be deemed to have occurred by
     virtue of loans made between and among Borrowers.

     2.14  APPOINTMENT OF AGENT.  Lender agrees that, in the sole  discretion of
     Lender,  Borrower  may,  by  written  notice to  Lender,  designate  a Lead
     Borrower  to  receive  advances  from  Lender,  make  payments  to  Lender,
     communicate  with  Lender and  generally  represent  the  interests  of the
     Borrowers   with  respect  to  the  subject   matter  of  this   Agreement;
     notwithstanding the foregoing,  Lender may, at its sole discretion and upon
     notice to each of the  Borrowers,  make  advances  directly  to each of the
     Borrowers, require that payments due hereunder be made to Lender by each of
     the Borrowers,  require each of the Borrowers to communicate  directly with
     Lender,  for  its  own  account,   and  generally  deal  independently  and
     separately with each of the Borrowers. Until so notified by Lender, each of
     the  Borrowers  hereby  agree  that any and all  funds  advanced  by Lender
     pursuant  to the terms of this  Agreement,  shall be  advanced  to the Lead
     Borrower  and may be deposited or  transferred  into the general  corporate
     account of Lead  Borrower,  as agent  and/or  trustee for  Borrowers.  Lead
     Borrower  hereby agrees to keep  detailed and accurate  records of all such
     disbursements  made to any other Borrowers.  Lead Borrower hereby agrees to
     keep  detailed  and accurate  records of all loans and dealings  between or
     among Lead  Borrower and the other  Borrowers.  Borrowers  agree to furnish
     copies of such records to Lender upon request.  Each  Borrower,  other than
     the Lead Borrower hereby  irrevocably  makes,  constitutes,  designates and
     appoints  Lead  Borrower  as its agent  and/or  trustee  with full power to
     receive all notices,  request all Advances  hereunder and to deal generally
     with Lender as agent and/or  trustee for the Borrowers and Lead Borrower is
     hereby granted full power and authority to bind the Borrowers in respect of
     any term,  condition,  covenant or undertaking  embraced in this Agreement.
     Lender may, without  liability or responsibility to the Borrowers rely upon
     the instructions or other communications of Lead Borrower on behalf of each
     of  the  Borrowers  in  connection  with  any  notifications,  requests  or
     communications  required or permitted to be given  hereunder  with the same
     force and  effect as if  actually  given by each  Borrower;  each  Borrower
     hereby  agrees to indemnify  and hold Lender  harmless from and against any
     liability,  claim, suit, action,  penalty, fine or damage arising out of or
     incurred in connection with Lender's reliance upon communications from Lead
     Borrower on behalf of the  Borrowers.  It is  specifically  understood  and
     agreed that any Advance made  hereunder by Lender to Lead Borrower shall be
     considered  and treated as an Advance to the  Borrowers  and each  Borrower
     shall be jointly and severally liable therefor.

3.2. BUSINESS LOCATIONS OF BORROWER (SECTIONS 3.2, 3.6 and 5.1.N.).

     All locations are as set forth on the attach List of Locations

3.16 CROSS COLLATERALIZATION PROVISION (SECTION 3.16)

     The following Section 3.16 is hereby added to the Agreement:

     3.16 CROSS  COLLATERALIZATION.  Each Borrower agrees that the Collateral of
     each Borrower pledged  hereunder shall secure all of the obligations of the
     Borrowers  to Lender  hereunder.  Upon and after an Event of Default by any
     Borrower, Lender may pursue all rights and remedies it may have against all
     or any part of the  Collateral  regardless  of the status of legal title to
     such  Collateral.   Each  Borrower  hereby  acknowledges  that  this  Cross
     Collateralization  of their  Collateral  is in  consideration  of  Lender's
     extending the credit hereunder and mutually beneficial to each Borrower.

5.1.B. BORROWER'S TRADENAMES (whether one or more) (SECTION 5.1.B.)

     As set forth in List of Tradenames attached hereto

6.2.A. LEVERAGE RATIO LIMIT (SECTION 6.2.J).

     The term "Leverage Ratio Limit" shall mean 4.0 : 1.0

6.2.B. MINIMUM NET INCOME (SECTION 6.2.K).

     The Minimum Net Income shall be One Dollar  ($1.00) for each fiscal year of
     Borrower, beginning with fiscal year ending December 31, 1997.

6.2.C. DISTRIBUTIONS LIMITATION (SECTION 6.2.L).

     The Maximum Distributions shall not exceed twenty-five percent (25%) of Net
     Income of the fiscal year in which such Distributions are made.

6.3.C. ANNUAL FINANCIAL STATEMENTS (SECTION 6.3).

     Annual  audited  financial  statements  shall be  prepared  by  independent
     certified public accountants, reasonably acceptable to Lender.

8.1. REIMBURSEMENT OF EXPENSES (SECTION 8.1).

     Borrowers  shall reimburse  Lender for legal fees and expenses  incurred in
     the  negotiations,  preparation  and  closing  of this  Third  Amended  and
     Restated Schedule to Amended and Restated Loan and Security Agreement.

9.1. NOTICES (SECTION 9.1).

              Lender:     FINOVA Capital Corporation
                          (copy each office below with all notices)

                          Corporate Finance Office:

                          FINOVA Capital Corporation
                          355 South Grand Avenue, Suite 2400
                          Los Angeles, CA  90071
                          Attn:  John J. Bonano, Senior Vice President
                          Telephone:  (213) 253-1600
                          Telecopy No.:  (213) 625-0268

                          Corporate Office:

                          FINOVA Capital Corporation
                          1850 N. Central Avenue
                          Phoenix, AZ  85077
                          Attn:  Joseph R. D'Amore, Senior Counsel
                          Telephone:  (602) 207-4900
                          Telecopy No.:  (602) 207-5543

                          Rediscount Finance Office:

                          FINOVA Capital Corporation
                          13355 Noel Road, Suite 800
                          Dallas, TX  75240
                          Attn: Douglas M. Fraser (Account Executive)
                          Telephone:  (214) 458-5600
                          Telecopy No.:  (214) 458-5650

     Borrower:            Florida Finance Group Inc.
                          Liberty Finance Company
                          5200 S. Washington
                          Titusville, Florida 32780-7316
                          Telephone: 407-269-9680
                          Telecopy No.:407-269-1880

     Borrower:            Smart Choice Receivables Holding Company
                          P. O. Box 50102
                          Henderson, NV 89016
                          Telephone: (702) 598-3738
                          Telecopy No.: (702) 598-3651

     Guarantors:          Smart Choice Holdings, Inc.
                          Smart Choice Automotive Group, Inc.
                          5200 S. Washington
                          Titusville, Florida 32780-7316
                          Telephone: 407-269-9680
                          Telecopy No.:407-269-1880

9.16. AGENT FOR SERVICE OF PROCESS (SECTION 9.16).

     Gary  Smith,  whose  address  is 5200 S.  Washington,  Titusville,  Florida
     32780-7316 (Agent)

IN WITNESS WHEREOF,  the parties have executed this Schedule on the day and year
first set forth above.
                           LENDER:

                           FINOVA CAPITAL CORPORATION,
                           a Delaware corporation

                           By: /s/ Bradley R. Fisher                3/27/98
                           ------------------------------------------------
                           Bradley R. Fisher, Vice President         (Date)

                           BORROWERS:

                           FLORIDA FINANCE GROUP INC.

                           By: /s/ Richard Todd                    3/27/98
                           -----------------------------------------------
                           Richard Todd, Assistant Vice President   (Date)

                           LIBERTY FINANCE COMPANY

                           By: /s/ Richard Todd                    3/27/98
                           -----------------------------------------------
                           Richard Todd, Assistant Vice President   (Date)

                           SMART CHOICE RECEIVABLES HOLDING COMPANY

                           By: /s/ Richard Todd                    3/27/98
                           -----------------------------------------------
                           Richard Todd, Assistant Vice President   (Date)

                           GUARANTORS:

                           SMART CHOICE HOLDINGS, INC.

                           By: /s/ Richard Todd                    3/27/98
                           -----------------------------------------------
                           Richard Todd, Assistant Vice President   (Date)

                           SMART CHOICE AUTOMOTIVE GROUP, INC.

                           By: /s/ Richard Todd                    3/27/98
                           -----------------------------------------------
                           Richard Todd, Assistant Vice President   (Date)