ADVANTA AUTOMOBILE RECEIVABLES TRUST 1997-2
305B2, 1998-01-30
ASSET-BACKED SECURITIES
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                                                 Filing pursuant to Registration
                                                      Statement number 333-19733
================================================================================

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                          -----------------------------

                                    FORM T-1

                            STATEMENT OF ELIGIBILITY
                   UNDER THE TRUST INDENTURE ACT OF 1939 OF A
                    CORPORATION DESIGNATED TO ACT AS TRUSTEE

                          -----------------------------

               CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY 
                  OF A TRUSTEE PURSUANT TO SECTION 305(b)(2)

                  NORWEST BANK MINNESOTA, NATIONAL ASSOCIATION
               (Exact name of trustee as specified in its charter)

A U.S. National Banking Association                        41-1592157
(Jurisdiction of incorporation or                          (I.R.S. Employer
organization if not a U.S. national                        Identification No.)
bank)

Sixth Street and Marquette Avenue
Minneapolis, Minnesota                                     55479
(Address of principal executive offices)                   (Zip code)


                       Stanley S. Stroup, General Counsel
                  NORWEST BANK MINNESOTA, NATIONAL ASSOCIATION
                        Sixth Street and Marquette Avenue
                          Minneapolis, Minnesota 55479
                                 (612) 667-1234
            (Name,address and telephone number of Agent for Service)

                          -----------------------------

                   Advanta Automobile Receivables Trust 1997-2
               (Exact name of obligor as specified in its charter)

Delaware                                                   N/A
(State or other jurisdiction of                            (I.R.S. Employer
incorporation or organization)                             Identification No.)



500 Office Center Drive

Suite 400
Ft. Washington, PA                                         19034
(Address of principal executive offices)                   (Zip code)

                          -----------------------------

        Asset Backed Notes of Advanta Automobile Receivables Trust 1997-2
                       (Title of the indenture securities)

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

<PAGE>



Item 1. General Information. Furnish the following information as to the 
        trustee:

                   (a)     Name and  address of each  examining  or  supervising
                           authority to which it is subject.

                           Comptroller of the Currency
                           Treasury Department
                           Washington, D.C.

                           Federal Deposit Insurance Corporation
                           Washington, D.C.

                           The Board of Governors of the Federal Reserve System
                           Washington, D.C.

                  (b)      Whether it is authorized to exercise corporate trust
                           powers.

                           The trustee is authorized to exercise corporate trust
                           powers.

Item 2.  Affiliations with Obligor.  If the obligor is an affiliate of the 
         trustee, describe each such affiliation.

                  None with respect to the trustee.

No responses are included for Items 3-14 of this Form T-1, pursuant to General
Instruction B, because the obligor is not in default as provided under Item 13.

Item 15.  Foreign Trustee. Not applicable.

Item 16.  List of Exhibits.   List below all exhibits filed as a part of 
                              this Statement of Eligibility.


         Exhibit 1.        a.       A copy of the Articles of Association of the
                                    trustee now in effect.*


         Exhibit 2.        a.       A copy of the  certificate  of  authority of
                                    the trustee to commence business issued June
                                    28, 1872, by the Comptroller of the Currency
                                    to  The   Northwestern   National   Bank  of
                                    Minneapolis.*

                           b.       A copy of the certificate of the Comptroller
                                    of the Currency dated January 2, 1934,
                                    approving the consolidation of The
                                    Northwestern National Bank of Minneapolis
                                    and The Minnesota Loan and Trust Company of
                                    Minneapolis, with the surviving entity being
                                    titled Northwestern National Bank and Trust
                                    Company of Minneapolis.*

                           c.       A copy of the certificate of the Acting
                                    Comptroller of the Currency dated January
                                    12, 1943, as to change of corporate title of
                                    Northwestern National Bank and Trust Company
                                    of Minneapolis to Northwestern National Bank
                                    of Minneapolis.*

                           d.       A copy of the letter dated May 12, 1983 from
                                    the Regional Counsel, Comptroller of the
                                    Currency, acknowledging receipt of notice of
                                    name change effective May 1, 1983 from
                                    Northwestern National Bank of Minneapolis to
                                    Norwest Bank Minneapolis, National
                                    Association.*

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                           e.       A copy of the letter dated January 4, 1988
                                    from the Administrator of National Banks for
                                    the Comptroller of the Currency certifying
                                    approval of consolidation and merger
                                    effective January 1, 1988 of Norwest Bank
                                    Minneapolis, National Association with
                                    various other banks under the title of
                                    "Norwest Bank Minnesota, National
                                    Association."*

         Exhibit 3.        A copy of the authorization of the trustee
                           to exercise  corporate trust powers issued January 2,
                           1934, by the Federal Reserve Board.*

         Exhibit 4.        Copy of By-laws of the trustee as now in effect.*

         Exhibit 5.        Not applicable.

         Exhibit 6.        The consent of the trustee required by Section 321(b)
                           of the Act.

         Exhibit 7.        Consolidated Reports of Condition and Income of the 
                           trustee as of September 30, 1997.-P


         Exhibit 8.        Not applicable.

         Exhibit 9.        Not applicable.



         *        Incorporated by reference to the corresponding numbered
                  exibits to the form T-1 filed as Exhibit 25 to registration
                  statement number 33-66026.


<PAGE>


                                    SIGNATURE


Pursuant to the requirements of the Trust Indenture Act of 1939, as amended, the
trustee, Norwest Bank Minnesota, National Association, a national banking
association organized and existing under the laws of the United States of
America, has duly caused this statement of eligibility to be signed on its
behalf by the undersigned, thereunto duly authorized, all in the City of
Minneapolis and State of Minnesota on the 23rd day of December, 1997.






                                            NORWEST BANK MINNESOTA,
                                            NATIONAL ASSOCIATION


                                            /s/ Daniel W Rolczynski
                                            --------------------------------
                                            Daniel W. Rolczynski
                                            Corporate Trust Officer



<PAGE>

                                                  EXHIBIT 6


December 23, 1997



Securities and Exchange Commission
Washington, D.C.  20549

Gentlemen:

In accordance with Section 321(b) of the Trust Indenture Act of 1939, as
amended, the undersigned hereby consents that reports of examination of the
undersigned made by Federal, State, Territorial, or District authorities
authorized to make such examination may be furnished by such authorities to the
Securities and Exchange Commission upon its request therefor.





                                            Very truly yours,

                                            NORWEST BANK MINNESOTA,
                                            NATIONAL ASSOCIATION


                                            /s/ Daniel W Rolczynski
                                            ---------------------------
                                            Daniel W. Rolczynski
                                            Corporate Trust Officer






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