DEALER AUTO RECEIVABLES CO LLC
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>3
<FILENAME>ex10-1.txt
<TEXT>

                                                                    EXHIBIT 10.1

<TABLE>
<CAPTION>
                                              February 18, 2003
                                       DART 2000-1 DISTRIBUTION SUMMARY

                                              Collection Account

Wire/Deposit to:                            In consideration of:                      In the amount of:
----------------                            --------------------                      -----------------
<S>                                         <C>                                       <C>
1.  Premier Auto Finance, Inc.              Reimburse Previous Advances                       18,572.03
                                            Excess Coverage                                        0.00

2.  Bank of New York                        Indenture Trustee Fee                                  0.00

3.  Chase                                   Owner Trustee Fee                                      0.00

4.  Premier Auto Finance, Inc.              Servicing Fees                                   122,079.22
                                            Late Fees                                         59,651.46
                                                                                      -----------------
                                            Total Servicing Fees                             181,730.68

5.  Note Distribution Account               Note Interest                                    796,895.46

6.  Certificate Distribution Account        Certificate Interest                              87,068.70

7.  Note Distribution Account               Principal Payable                             10,056,495.34

8.  Certificate Distribution Account        Principal Payable                                      0.00

9.  Reserve Fund                            Funding                                          357,452.90

                                                                                      -----------------
TOTAL AMOUNT WIRED/DEPOSITED:                                                             11,498,215.11
                                                                                      =================

                                              Reserve Account

Wire/Deposit to:                            In consideration of:                      In the amount of:
----------------                            --------------------                      -----------------

1. Collection Account                       Collection Shortfall                                   0.00

2. Premier Auto Finance, Inc.               Excess Reserve Release                                 0.00

                                                                                      -----------------
TOTAL AMOUNT WIRED/DEPOSITED:                                                                      0.00
                                                                                      =================

/S/ Kevin P. Diamond
------------------------------
Senior Vice President

/S/ David C. Greenberg
------------------------------
CEO                                                                                   February 24, 2003
                                                                                                2:19 PM
</TABLE>

                                   Page 3 of 9
<PAGE>

                   Dealer Auto Receivables Owner Trust 2000-1

190,000,000.00      6.69% Dealer Auto Receivables Asset-Backed Notes, Class A-1
274,000,000.00      7.01% Dealer Auto Receivables Asset-Backed Notes, Class A-2
168,000,000.00      7.07% Dealer Auto Receivables Asset-Backed Notes, Class A-3
 83,251,000.00      7.12% Dealer Auto Receivables Asset-Backed Notes, Class A-4
 24,470,000.00      7.46% Dealer Auto Receivables Asset-Backed Notes, Class B
 13,175,591.56      7.93% Dealer Auto Receivables Asset- Backed Certificates

<TABLE>
<CAPTION>
                                                   Monthly Report
                                 For the February 18, 2003 Distribution Date
<S>                                                                                                       <C>
A    Calculation of Available Amounts

     1   Available Principal (as defined in Article I of the Sale and Servicing Agreement)                         $9,736,651.07
                                                                                                          -----------------------
     2   Available Interest (as defined in Article I of the Sale and Servicing Agreement)                          $1,701,912.58
                                                                                                          -----------------------
     3   Available Amounts (l. plus 2.)                                                                           $11,438,563.65
                                                                                                          -----------------------

B    Calculation of Principal Distributable Amount                                                                $10,056,495.34
                                                                                                          -----------------------
      (as defined in Article I of the Sale and Servicing Agreement)

C    Calculation of Note Monthly Principal Distributable Amount                                                   $10,056,495.34
                                                                                                          -----------------------

     1   Note Percentage for such Distribution Date

     (a)    for each Distribution Date to but excluding the Distribution Date on which the
            principal amount of the Class B Notes is reduced to zero                                                     100.00%
                                                                                                          -----------------------

     (b)    after the principal amount of the Class B Notes have been reduced to zero                                      0.00%
                                                                                                          -----------------------

     2  Principal Distributable Amount (from B)                                                                   $10,056,495.34
                                                                                                          -----------------------

     3   Note Monthly Principal Distributable Amount for

         (a)Class A-1 Notes                                                                                                $0.00
                                                                                                          -----------------------

         (b)Class A-2 Notes                                                                                                $0.00
                                                                                                          -----------------------

         (c)Class A-3 Notes                                                                                       $10,056,495.34
                                                                                                          -----------------------

         (d)Class A-4 Notes                                                                                                $0.00
                                                                                                          -----------------------

         (e)Class B Notes                                                                                                  $0.00
                                                                                                          -----------------------

         (f)Note Principal Carryover Shortfall                                                                             $0.00
                                                                                                          -----------------------

D    Calculation of Note Monthly Interest Distributable Amount

     1   Class A-1 Interest Rate                                                                                           6.69%
                                                                                                          -----------------------

     2   Class A-2 Interest Rate                                                                                           7.01%
                                                                                                          -----------------------

     3   Class A-3 Interest Rate                                                                                           7.07%
                                                                                                          -----------------------

     4   Class A-4 Interest Rate                                                                                           7.12%
                                                                                                          -----------------------

     5   Class B Interest Rate                                                                                             7.46%
                                                                                                          -----------------------

                                                                  Page 4 of 9
<PAGE>

     6   Class A-1 Note Interest Distributable Amount                                                                      $0.00
                                                                                                          -----------------------

     7   Class A-2 Note Interest Distributable Amount                                                                      $0.00
                                                                                                          -----------------------

     8   Class A-3 Note Interest Distributable Amount                                                                $150,817.70
                                                                                                          -----------------------

     9   Class A-4 Note Interest Distributable Amount                                                                $493,955.93
                                                                                                          -----------------------

     10   Class B Note Interest Distributable Amount                                                                 $152,121.83
                                                                                                          -----------------------

     11   Aggregate Interest Carryover Shortfall for each Class for such
          Distribution Date                                                                                                $0.00
                                                                                                          -----------------------

     12   Note Monthly Interest Distributable Amount (the sum of items D.6, D.7, D.8,
          D.9, D.10 and D.11)                                                                                        $796,895.46
                                                                                                          -----------------------

E    Calculation of Note Distributable Amount (sum of C.3 plus D.12.)                                             $10,853,390.80
                                                                                                          -----------------------

F    Calculation of Certificate Principal Distributable Amount

     1   Certificate Balance                                                                                      $13,175,591.56
                                                                                                          -----------------------

     2   Principal Distributable Amount                                                                                    $0.00
                                                                                                          -----------------------

     3   Certificate Percentage for each respective Distribution Date

     3   (a)for each Distribution Date to but excluding the Distribution Date on which the
            Principal Amount of the Class B Notes is reduced to zero                                                       0.00%
                                                                                                          -----------------------

     3   (b)on the Distribution Date on which the Principal Amount of the Class B Notes is
            reduced to zero
                                                                                                          -----------------------

     3   (c)thereafter                                                                                                   100.00%
                                                                                                          -----------------------

     4   (a)Principal Distributable Amount multiplied by the Certificate Percentage for
            such Distribution Date                                                                                         $0.00
                                                                                                          -----------------------

     4   (b)Certificate Principal Carryover Shortfall for such Distribution Date                                           $0.00
                                                                                                          -----------------------

     5   Certificate Principal Distributable Amount (the sum of  4.(a) and 4.(b))                                          $0.00
                                                                                                          -----------------------

G    Calculation of Certificate Interest Distributable Amount

     1   Certificate Pass-Through Rate                                                                                     7.93%
                                                                                                          -----------------------

     2   (a)Certificate Monthly Interest Distributable Amount                                                         $87,068.70
                                                                                                          -----------------------

     2   (b)Certificate Interest Carryover Shortfall for such Distribution Date                                            $0.00
                                                                                                          -----------------------

     3   Certificate Interest Distributable Amount (sum of 2.(a) and 2.(b))                                           $87,068.70
                                                                                                          -----------------------


H    Calculation of Certificate Distributable Amount (sum of F.5 and G.3)                                             $87,068.70
                                                                                                          -----------------------

I    Fees

     1   The Monthly Servicing Fee for such Distribution Date                                                        $122,079.22
                                                                                                          -----------------------
     (1/12 of the product of 1% and the Aggregate Principal Balance of the Contracts as
     of the beginning of the preceding Distribution Date)

     2   Late Payment Penalty Fees for such Distribution Date                                                         $59,651.46
                                                                                                          -----------------------

     3   Extension Fees for such Distribution Date                                                                         $0.00
                                                                                                          -----------------------

                                                                  Page 5 of 9
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     4   Indenture Trustee Fee for such Distribution Date                                                                  $0.00
                                                                                                          -----------------------

     5   Owner Trustee Fee for such Distribution Date                                                                      $0.00
                                                                                                          -----------------------


J    Calculation of the Available Amounts for such Distribution Date

     1  The amount of funds deposited into the Collection Account pursuant to Section 5.05(b)
     of the Sale and Servicing Agreement with respect  to the related Due Period                                   11,498,215.11
                                                                                                          -----------------------

     a      All amounts received by the Indenture Trustee or the Servicer with respect to
            principal and interest on the Contracts, as well as Late Payment Penalty Fees and
            Extensions Fees for related Due Period                                                               $ 10,812,984.36
                                                                                                          -----------------------

     b      All Net Liquidation Proceeds                                                                             $683,551.76
                                                                                                          -----------------------

     c      The aggregate of the Repurchase Prices for Contracts required to be repurchased by
            the Depositor as described in Section 7.05 of the Sale and Servicing Agreement                                 $0.00
                                                                                                          -----------------------

     d      All Advances made by Servicer pursuant to Section 7.02 of the Sale and Servicing
            Agreement                                                                                                          -
                                                                                                          -----------------------

     e      All amounts paid by the Seller in connection with an optional repurchase of the
            Contracts described in Section 7.07 of the Sale and Servicing Agreement                                        $0.00
                                                                                                          -----------------------

     f      All amounts received in respect of interest, dividends, gains, income and earnings
            on investments of funds in the Trust Accounts as contemplated in Section 5.05(b)
            of the Sale and Servicing Agreement                                                                         1,678.99
                                                                                                          -----------------------

     g      Total amount of funds deposited into the Collection Account pursuant to Section 5.05(b)              $ 11,498,215.11
                                                                                                          -----------------------
             (the sum of a. through f.)

     2  The amount of funds permitted to be withdrawn from the Collection Account pursuant to
     clauses (i) through (iii) of Section 7.03(a) of the Sale and Servicing Agreement with respect
     to related Due Period                                                                                           $200,302.71
                                                                                                          -----------------------

     a      Amounts to be paid to the Servicer as the Reimbursement Amount in accordance with
             Section 7.02 of the Sale and Servicing Agreement                                                          18,572.03
                                                                                                          -----------------------

     b      Amounts to be paid to the Servicer in respect to the Servicing Fee for the related
            Due Period                                                                                               $181,730.68
                                                                                                          -----------------------

     c      Amounts to be paid to the Indenture Trustee in respect of the Indenture Trustee Fee
            for the related Due Period                                                                                     $0.00
                                                                                                          -----------------------

     d      Amounts to be paid to the Owner Trustee in respect of Owner Trustee Fee for related
            Due Period                                                                                                     $0.00
                                                                                                          -----------------------


     e      Total amount of funds permitted to be withdrawn from the Collection
            Account pursuant to clauses (i) through (iii) Section 7.03(a) of the
            Sale and Servicing Agreement with respect to the related
            Due Period (sum of a. through d.)                                                                        $200,302.71
                                                                                                          -----------------------

     3  The Available Amounts (not including amounts from Reserve Fund Account) for such Distribution
     Date available to pay Note Distributable Amounts  and Certificate Distributable Amounts                      $11,297,912.40
                                                                                                          -----------------------
      (1(g) minus 2(e))

K    The shortfall of Available Amounts for such Distribution Date to pay either the Note
     Distributable Amount or the Certificate Distributable Amount                                                          $0.00
                                                                                                          -----------------------
     (the Available Amounts for such Distribution Date minus the sum of the Note Distributable Amount
     as set forth in E. and the Certificate Distributable Amount as set forth in H.)

L    The amount to be withdrawn from the Reserve Fund on such Distribution Date to cover the
     Note Interest Distributable Amount                                                                                    $0.00
                                                                                                          -----------------------

                                                                  Page 6 of 9
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M    The amount to be withdrawn from the Reserve Fund on such Distribution Date to cover the
     Certificate Interest Distributable Amount                                                                             $0.00
                                                                                                          -----------------------

N    The amount to be withdrawn from the Reserve Fund on such Distribution Date to cover the
     Note Principal Distributable Amount                                                                                   $0.00
                                                                                                          -----------------------

O    The amount to be withdrawn from the Reserve Fund on such Distribution Date to cover the
     Certificate Principal Distributable Amount                                                                            $0.00
                                                                                                          -----------------------

P    Interest Earnings on the Reserve Fund.                                                                              $539.78
                                                                                                          -----------------------

Q    The amount on deposit in the Reserve Fund after giving effect to deposits and withdrawals
     therefrom on such Distribution Date                                                                            7,757,482.04
                                                                                                          -----------------------

R    The Specified Reserve Fund Amount for such Distribution Date will be an
     amount equal to the lesser of (i) the aggregate unpaid principal balance of
     the Class A-1 Notes, the Class A-2 Notes, the Class A-3 Notes, the Class
     A-4 Notes and the Class B Notes and the Certificate Balance as of such
     Distribution Date, and (ii) the greater of:

     (a) 4.25% of the aggregate unpaid principal balance of the Class A-1 Notes,
     the Class A-2 Notes, the Class A-3 Notes, the Class A-4 Notes and the Class
     B Notes and the Certificate Balance on such Distribution Date, except that
     if a Reserve Fund Trigger Event shall have occurred and be continuing on
     such Distribution Date, then the percentage of the aggregate unpaid
     principal balance of the Class A-1 Notes, the Class A-2 Notes, the Class
     A-3 Notes, the Class A-4 Notes and the Class B Notes and the Certificate
     Balance referred to in this clause (a), shall be equal to 6.50%; and

     (b)  1.00% of the Aggregate Principal Balance as of the Cutoff Date.                                           8,868,507.28
                                                                                                          -----------------------

S    The Pool Factor
               Factor immediately Before Factor immediately After
                  such Distribution Date such Distribution Date

            Class A-1 Note            1      0.0000000                          7        0.0000000
                                        ---------------                           -----------------

            Class A-2 Note            2      0.0000000                          8        0.0000000
                                        ---------------                           -----------------

            Class A-3 Note            3      0.1523719                          9        0.0925118
                                        ---------------                           -----------------

            Class A-4 Note            4      1.0000000                          10       1.0000000
                                        ---------------                           -----------------

            Class B Note              5      1.0000000                          11       1.0000000
                                        ---------------                           -----------------

            Certificate               6      1.0000000                          12       1.0000000
                                        ---------------                           -----------------

T    Delinquent Contracts

     1    31-60 Days                                                                                761            $5,704,397.55
                                                                                               ----------------------------------

     2    61-90 Days                                                                                182            $1,273,324.07
                                                                                               ----------------------------------

     3    91 or More Days                                                                            89              $630,663.78
                                                                                               ----------------------------------

            Total Delinquent Receivables                                                          1,032            $7,608,385.40
            61+ Days Delinquencies as Percentage of Receivables                                                            1.40%

            Delinquency Ratio for Second Preceding Collection Period                                                       1.16%
            Delinquency Ratio for Preceding Collection Period                                                              1.32%
            Delinquency Ratio for Current Collection Period                                                                1.40%
            Average Delinquency Ratio                 (Reserve Fund Trigger Event >= 2.0%)                                 1.29%

                                                                  Page 7 of 9
<PAGE>

U    Defaulted Contracts

     1   Total Defaulted Contracts for the Due Period                                               136               907,160.81
                                                                                                        -------------------------

     2   Identity (attach)

     3   Liquidation proceeds for the Due Period                                                                     $715,271.54
                                                                                                        -------------------------

     4   Liquidation expenses for the Due Period                                                                       31,719.78
                                                                                                        -------------------------

     5   Net Liquidation Proceeds for the Due Period                                                                 $683,551.76
                                                                                                        -------------------------

     6   Net Liquidation Losses for the Due Period                                                                   $223,609.05
                                                                                                        -------------------------

            Pool Balance at Beginning of Collection Period                                                      $ 146,495,068.89
            Net Loss Ratio for Current Collection Period                                                                   1.83%

            Net Loss Ratio for Second Preceding Collection Period                                                          4.06%
            Net Loss Ratio for Preceding Collection Period                                                                 2.83%
            Net Loss Ratio for Current Collection Period                                                                   1.83%
            Average Net Loss Ratio                    (Reserve Fund Trigger Event >= 2.5%)                                 2.91%

V    Advances

     1   Unreimbursed Advances prior to such Distribution Date                                                       $111,693.76
                                                                                                        -------------------------

     2   Amount paid to Servicer on such Distribution Date to reimburse Servicer for such
         unreimbursed Advances                                                                                         80,805.56
                                                                                                        -------------------------

     3   Amount of Delinquent Interest for the related Due Period                                                      62,233.53
                                                                                                        -------------------------

     4   Amount of new Advances on such Distribution Date (if such amount is less than the
         amount of Delinquent                                                                                        (18,572.03)
                                                                                                        -------------------------
        Interest, attach the certificate required by Section 7.02 of the Sale and
        Servicing Agreement)

     5   Total of unreimbursed Advances after new Advances on such Distribution Date                                  $93,121.73
                                                                                                        -------------------------

W    Repurchased Contracts

     1   Number of Contracts to be repurchased pursuant to Section 7.07 of the Sale and
         Servicing Agreement                                                                                                   0
                                                                                                        -------------------------

     2   Principal Amount of such Contracts                                                                                $0.00
                                                                                                        -------------------------

     3   Related Repurchase Price of such Contracts                                                                        $0.00
                                                                                                        -------------------------

X    Contracts

     1   Number of Contracts as of beginning of Due Period                                                                22,410
                                                                                                        -------------------------

     2   Principal Balance of Contracts as of beginning of Due Period                                            $146,495,068.89
                                                                                                        -------------------------

     3   The weighted average Contract Rate of the Contracts as of the beginning of the
         Due Period                                                                                                       11.86%
                                                                                                        -------------------------

     4   The weighted average remaining term to maturity of the Contracts as of the beginning
         of the Due Period                                                                                                 25.10
                                                                                                        -------------------------

     5   Number of Contracts as of end of Due Period                                                                      21,409
                                                                                                        -------------------------

     6   Principal Balance of Contracts as of end of Due Period                                                  $136,438,573.55
                                                                                                        -------------------------

     7   The weighted average Contract Rate of the Contracts as of the end of the Due Period                              11.89%
                                                                                                        -------------------------

     8   The weighted average remaining term to maturity of the Contracts as of the end of
         the Due Period                                                                                                    24.45
                                                                                                        -------------------------
</TABLE>
                                   Page 8 of 9
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                                Net Loss Addendum

For the Period Ending January 31, 2003           Reported           Actual*
Servicing Report Dated February 18, 2003            8K               Loss
                                              ---------------    -------------
Net Loss Ratio for Current Month                  1.83%              6.16%
Net Loss Ratio for Previous Month                 2.83%              4.87%
Net Loss Ratio for 2nd Previous Month             4.06%              3.24%
Net Loss Ratio Three Month Average                2.91%              4.76%

                       Section "U" of Servicer Certificate


The difference between the Reported 8K and Actual Loss column is driven by the
difference in the definition of a Defaulted Contract between the DART 2000-1
Servicing Agreement and the servicer's normal procedures as described in the
Prospectus. Generally the servicer charges-off a contract:
1)   when the servicer deems the contract uncollectible;
2)   if the financed vehicle is not repossessed, during the month when 5% or
     more of an installment due under the contract becomes more than 120 days
     past due;
3)   if the financed vehicle is repossessed, when all sale proceeds, insurance
     claims and refunds of financed insurance policies and extended warranties
     have been received; or
4)   when an obligor files for bankruptcy and the servicer determines that its
     loss is known.

The definition of a Defaulted Contract in the DART 2000-1 Sale And Servicing
Agreement states:
      "Defaulted Contract" means a Contract with respect to which there has
      occurred one or more of the following: (i) all or part of a scheduled
      payment under the Contract is 120 days or more than 120 days past due and
      the Servicer has not repossessed the related Financed Vehicle, (ii) the
      Servicer, has in accordance with its customary servicing procedures,
      determined that eventual payment in full is unlikely and has either
      repossessed and liquidated the related Financed Vehicle or repossessed and
      held the related Financed Vehicle in its repossessed inventory for 90
      days, whichever occurs first; provided, however, in no event shall the
      period of time referred to in clauses (i) or (ii) extend for a combined
      period of longer than 120 days, or (iii) the relevant Obligor has suffered
      an Insolvency Event.

Two differences between the two standards account for the change in the Net Loss
Ratio reported in the revised Servicer Certificate from the Net Loss Ratio
calculated in accordance with the servicer's customary servicing procedures:
1)   Under the DART 2000-1 Servicing Agreement the servicer must recognize the
     entire amount of a bankrupt account as a loss when the obligor files for
     bankruptcy rather than when the seller determines the actual amount of
     loss. Although prior experience does not necessarily predict future
     performance, in the servicer's experience, a majority of the accounts that
     file bankruptcy are collected.

2)   Under the DART 2000-1 Servicing Agreement repossessions in inventory are
     considered to be a loss if the contract is 120 days delinquent.
     Traditionally the Servicer would not consider repossessions in inventory to
     be a loss until the car has been sold and all liquidation proceeds have
     been recovered and the loss is known.

*Losses as determined according to the Servicer's customary servicing
procedures.


                                   Page 9 of 9

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