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Exhibit 10.20

                SECOND AMENDMENT TO AMENDED AND RESTATED
                       REVOLVING CREDIT AGREEMENT

     THIS SECOND AMENDMENT TO AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT 
("Amendment") is made and entered into effective as of July 22, 1998 in 
Columbus, Ohio, by and among WESTAR AUTO FINANCE, L.L.C., a Washington 
limited liability company, as borrower (the "Company"), BANK ONE, NA, a 
national banking association, as lender (the "Lender"), and ROBERT W. 
CHRISTENSEN, JR., an individual,  as indemnitor (the "Indemnitor").

                                RECITALS

     THE FOLLOWING RECITALS ARE REPRESENTATIONS WITH RESPECT TO CERTAIN 
FACTUAL MATTERS THAT FORM THE BASIS OF THIS AMENDMENT AND ARE AN INTEGRAL 
PART OF THIS AMENDMENT.

     A.   The Lender agreed to loan to the Company the maximum sum of 
$25,000,000.00 (the "Revolving Credit Commitment") pursuant to the terms and 
conditions of a certain Amended and Restated Revolving Credit Agreement dated 
as of July 22, 1997 by and between the Company and the Lender (the "Restated 
Revolving Credit Agreement").  Certain capitalized terms which are not 
otherwise defined herein shall have the meanings ascribed to them in the 
Restated Revolving Credit Agreement; 

     B.   To evidence the Company's borrowings from time to time under the 
Revolving Credit Commitment (collectively, the "Revolving Credit Loans"), the 
Company executed a certain Amended and Restated Revolving Credit Note dated 
July 22, 1997 (the "Restated Note"), whereby the Company promised to pay to 
the order of the Lender, on or before July 12, 1998, the Revolving Credit 
Loans, together with interest as set forth in the Restated Revolving Credit 
Agreement;

     C.   To secure the Restated Revolving Credit Agreement and the Restated 
Note, the Lender and the Company entered into a certain Amended and Restated 
Company Security Agreement dated as of July 22, 1997 (the "Restated Security 
Agreement");

     D.   In further consideration of the Lender entering into the Restated 
Revolving Credit Agreement, the Indemnitor agreed, by a certain Amended and 
Restated Validity Agreement dated as of July 22, 1997, to indemnify the 
Lender as set forth therein (the "Restated Validity Agreement");

     E.   In further consideration of the Lender entering into the Restated 
Revolving Credit Agreement, the Lender and the Company entered into a certain 
Amended and Restated Agreement with Respect to Prevention and Resolution of 
Disputes dated as of July 22, 1997 (the "Restated Dispute Resolution 
Agreement");

     F.   The Company, the Lender and the Indemnitor pursuant to the terms of 
the First Amendment to Restated Revolving Credit Agreement (the "First 
Amendment") amended the Restated Revolving Credit Agreement, the Restated 
Note and the other Loan Documents effective as of June 25, 1998 to increase 
the maximum amount of the Revolving Credit Commitment from $25,000,000 to 
$26,000,000.

     G.   The Lender is still the holder and beneficiary of the Restated 
Revolving Credit Agreement as amended by the First Amendment (as so amended, 
the "Restated Revolving Credit Agreement"), Restated Note, Restated Security 
Agreement, Restated 

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Validity Agreement and Restated Dispute Resolution Agreement (such documents, 
together with all other documents related thereto, are hereinafter 
collectively referred to as the "Loan Documents"); and

     H.   The Company, the Lender and the Indemnitor desire to amend the 
Revolving Credit Agreement, the Restated Note and the other Loan Documents to 
reduce the maximum amount of the Revolving Credit Commitment from $26,000,000 
to $15,000,000, extend the maturity of the Restated Note to July 31, 1999 and 
add automobile installment loan contracts to the assets which may be funded 
with the proceeds of Revolving Credit Loans under the Revolving Credit 
Agreement.

                                  AGREEMENT

     NOW, THEREFORE, in consideration of the agreement and undertakings of 
Borrowers and Lender to amend the Loan Documents, and for other valuable 
consideration, the receipt and sufficiency of which are hereby acknowledged, 
the parties agree as follows:

     1.   All terms and conditions of the Restated Revolving Credit Agreement 
shall remain in full force and effect without change except as follows:

          (a)  Paragraph L of the Recitals on page 3 of the Restated Revolving
     Credit Agreement is hereby amended by replacing "$26,000,000" with 
     "$15,000,000."

          (b)  The first paragraph Section 2.1 of the Restated Revolving Credit
     Agreement is hereby amended by replacing "Twenty-Six Million Dollars
     ($26,000,000)" with "Fifteen Million Dollars ($15,000,000)" and by 
     replacing "July 12, 1998" with "July 31, 1999."

          (c)  Clause (iii) in the second paragraph of Section 2.1 of the
     Revolving Credit Agreement is hereby amended in its entirety to read as 
     follows:

          (iii) the Eligible Lease Amount of Leases being financed with the 
          proceeds of the Revolving Credit Loan and the Eligible Installment 
          Loan Amount of Installment Loans being financed with the proceeds of 
          the Revolving Credit Loan."

          (d)  Section 2.2(a) of the Restated Revolving Credit Agreement is 
     hereby amended by replacing "July 12, 1998" with "July 31, 1999."

          (e)  Section 2.2(c)(ii) of the Restated Revolving Credit Agreement is
     hereby amended in its entirety to read as follows:

          (ii)  The Company shall use the proceeds from the sale of Pooled 
          Interest Certificates to repay all or a portion of the principal 
          amount of, and accrued interest on,  related outstanding Revolving 
          Credit Loans.  The Company shall be required to repay the entire 
          principal amount of each outstanding Revolving Credit Loan within 
          six months following the date on which the related Asset-Specific 
          Trust Interests were purchased with the proceeds of such Revolving 
          Credit Loan; provided, however, that the Company may elect at the time
          Eligible Leases and/or Eligible Installment Loans related to such 
          Asset-Specific Trust Interests are being reallocated to the Pooled 
          Interest Portfolio evidenced by such Pooled Interest Certificates to 
          reallocate Eligible Leases and/or Eligible Installment Loans having 
          an aggregate combined Eligible Lease Amount plus Eligible Installment 
          Loan Amount of up to 

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          $1,000,000 to new Asset-Specific Trust Interests in which event the 
          principal amount of the then outstanding Revolving Credit Loans may 
          be reduced to an amount which does not exceed the Borrowing Base of 
          such reallocated Eligible Leases and/or Eligible Installment Loans.  
          In no event may an Eligible Lease or Eligible Installment Loan be 
          reallocated to a new Asset-Specific Trust Interest more than once.  
          The Lender understands that in order for the Trust to create a Pooled
          Interest Portfolio evidenced by such Pooled Interest Certificates, 
          it will be necessary for the Lender to release its security interest 
          in those Asset-Specific Trust Interests related to Trust Assets 
          being reallocated to such Pooled Interest Portfolio. Except during 
          the occurrence and continuation of an Event of Default, the Lender's 
          consent to the release of such security interest shall not be 
          unreasonably withheld."

          (f)  Section 2.4 of the Restated Revolving Credit Agreement is hereby
     amended in its entirety to read as follows:

          2.4  USE OF FUNDS.  The proceeds of the Loan shall be used to fund 
          the purchase by the Company of Asset-Specific Trust Interests from 
          the Trust, and the Trust, in turn, shall use the proceeds from the 
          purchase of the Asset-Specific Trust Interests to originate 
          Eligible Leases and/or Eligible Installment Loans, it being the 
          intent of the parties that the Loan be a "Financing" satisfying the 
          conditions set forth in Section 5.1(a)(i) of the Trust Agreement.

          (g)  The Restated Revolving Credit Agreement is hereby amended by 
     adding thereto Section 5.18 to read in its entirety as follows:

          5.18  CHARACTERISTICS OF INSTALLMENT LOANS AND FINANCED VEHICLES.  
          Each Installment Loan and to the extent applicable, each Financed 
          Vehicle will be (a) purchased by the Company in the ordinary course 
          of the Company's financing business; (b) originated by a Dealer in 
          the state of Washington (or such other states as shall be mutually 
          agreed to by the parties) in the ordinary course of its business 
          and in compliance with Westar's normal installment loan 
          underwriting policies and practices; (c) sufficient to create a 
          valid, subsisting and enforceable first priority security interest 
          in favor of the Company in the Financed Vehicle, which security 
          interest will be assignable by the Company to the Trust free of all 
          liens except for liens permitted by the Trust Agreement or the 
          Lease Purchase Agreement, (d) originated in compliance with and 
          will comply with all material applicable legal requirements, (e) 
          contain customary and enforceable provisions under the laws of the 
          jurisdiction governing the Installment Loan such that the rights 
          and remedies of the holder thereof are adequate for realization 
          against the collateral of the benefits of the security, (f) provide 
          for level monthly payments at a fixed rate of interest that fully 
          amortizes the amount financed by maturity, (g) require payments to 
          be made by the Obligor within 30 days after the date invoices for 
          payments are distributed, (h) an Installment Loan which has never 
          been extended, (i) an Installment Loan as to which the Obligor is 
          not bankrupt or currently the subject of a bankruptcy proceeding; 
          (j) not more than 60 days past due; and (k) and an Installment Loan 
          which satisfies the written underwriting criteria separately 
          delivered by the Lender to the Company which underwriting criteria 
          may be amended from time to time by agreement of the parties..

          (h)  Section 6.2(a)(iv) of the Restated Revolving Credit Agreement is
     hereby amended to read in its entirety as follows:

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          (iv)  An  aging report of all Leases and Installment Loans in form 
          and substance satisfactory to the Lender."

          (i)  Section 6.16 of the Restated Revolving Credit Agreement is hereby
     deleted in its entirety.

          (j)  Section 7.9 of the Restated Revolving Credit Agreement is hereby
     amended in its entirety to read as follows:

          7.9  SALE OF ACCOUNTS.  The Company shall not, and shall not permit 
          Westar or any subsidiary to, sell, assign or exchange any of its 
          Accounts or notes receivable with or without recourse except for 
          sales, assignments and exchanges of Installment Loans to or with 
          the Trust."

          (m)  Section 7.11 of the Restated Revolving Credit Agreement is hereby
     amended by replacing "$2,200,000" each time it appears with "$2,500,000."

          (n)  Section 7.12 of the Restated Revolving Credit Agreement is hereby
     amended by changing the minimum amount of Tangible Net Worth required from 
     April 1, 1997 and thereafter to "$2,500,000."

          (o)  Article 10 of the Restated Revolving Credit Agreement is hereby
     amended by adding or restating in their entirety the following definitions:

          "BORROWING BASE" shall mean 95% of the sum of the Eligible Lease 
          Amount plus the Eligible Installment Loan Amount."

          "ELIGIBLE INSTALLMENT LOAN" shall mean an Installment Loan which as 
          of any date satisfies the criteria set forth in Section 5.18."

          "ELIGIBLE INSTALLMENT LOAN AMOUNT" shall mean, as of any date, the 
          outstanding principal balance of the Installment Loan."

          "ELIGIBLE LEASE" shall mean a Lease which as of any date satisfies 
          the criteria set forth in Section 5.17."

          "FINANCED VEHICLE" shall mean any new or up to two model year old 
          used automobile or light-duty truck which secures an Obligor's 
          indebtedness under an Installment Loan."

          "OBLIGOR" shall mean the lessee under a Lease or the borrower under 
          an Installment Loan."

          "TRUST ASSETS" shall mean the Installment Loans, the Financed 
          Vehicles, the Leases, the Leased Vehicles, each certificate of 
          title or other evidence of ownership of a Leased Vehicle, each 
          certificate of tile or other evidence of the Company's security 
          interest in a Financed Vehicle and all other property defined as 
          "Trust Assets in the Trust Agreement."

     2.   All terms and conditions of the Restated Note shall remain in full
force and effect without change except as follows:

          (a)  The heading of the Restated Note is hereby amended by
     replacing" $26,000,000" with "$15,000,000" and "July 22, 1998" with 
     "July 31, 1999."

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          (b)  The first paragraph of the Restated Note is hereby amended by
     replacing "Twenty-Six Million Dollars ($26,000,000)" with "Fifteen Million
     Dollars ($15,000,000)" and by replacing "July 12, 1998" with 
     "July 31, 1999."

     3.   All terms and conditions of the Restated Security Agreement shall
remain in full force and effect without change except as follows:

          (a)  Paragraph A of the recitals of the Restated Security Agreement is
     hereby amended by replacing "$26,000,000" with "$15,000,000."

          (b)  Section 6(b) of the Restated Security Agreement is hereby amended
     in its entirety to read as follows:

          (b)  NEGATIVE PLEDGE. It shall not, without the prior written 
          consent of the Lender, (i) sell, assign or transfer any Collateral, 
          or, except pursuant to the terms of the assigned contracts, any 
          Installment Loans, Financed Vehicles, Leases or Leased Vehicles 
          (ii) grant or create or permit to exist any lien, encumbrance, 
          pledge or security interest on, or in any of the Collateral or any 
          other personal property, real property or fixtures of the Company 
          except such as have not been prohibited pursuant to Section 7.2 of 
          the Revolving Credit Agreement, (iii) permit any levy or attachment 
          to be made against any of the Collateral, or (iv) file any 
          financing statement with respect to any of the Collateral, except 
          financing statements in favor of the Lender and except such as have 
          not been prohibited pursuant to Section 7.2 of the Revolving Credit 
          Agreement."

     4.   All terms and conditions of the Restated Validity Agreement shall
remain in full force and effect without change except that paragraph A of the
recitals to such agreement is hereby amended by replacing "$26,000,000" with
"$15,000,000".

     5.   The Company hereby represents and warrants that it is in full
compliance with all terms, conditions, covenants, agreements, stipulations,
representations and warranties under the Loan Documents and the Company hereby
reaffirms the same as of the date hereof.

     6.   The Company and the Indemnitor each covenant to perform and observe
all covenants, agreements, stipulations and conditions on it or his respective
part to be performed under the Loan Documents.

     7.   Except as specifically modified herein, the Loan Documents shall
remain in full force and effect in all respects according to their original
terms, covenants and conditions as security for the unpaid balance of the
indebtedness and interest thereon evidenced by the Restated Revolving Credit
Agreement and the Restated Note, and nothing in this Amendment shall affect or
impair any rights and powers which Lender may have thereunder.

     8.   The Company shall pay or cause to be paid and save Lender harmless
against liability for the payment of all reasonable out of pocket expenses,
including counsel fees and disbursements, incurred or paid by Lender in
connection with the negotiation, development, preparation, execution and
performance of this Amendment.

     9.   This Amendment may be simultaneously executed in several counterparts,
each of which shall be an original and all of which shall constitute but one and
the same instrument.

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     10.  This Amendment is binding upon, and shall inure to the benefit of, the
parties hereto and their respective heirs, successors and assigns; provided,
however, that neither the Company nor the Indemnitor may assign or transfer
their respective rights or duties under this Amendment or the Loan Documents
without the prior written consent of Lender.

     IN WITNESS WHEREOF, the parties hereto have executed this Amendment as of
the date first above written.


LENDER:                                INDEMNITOR:

BANK ONE, N.A.


By:                                     
   ----------------------------        --------------------------------
   Robert N. Kent, Jr.                   ROBERT W. CHRISTENSEN, JR.,
                                       individually


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COMPANY:

WESTAR AUTO FINANCE, L.L.C.,
  a Washington limited liability company     

     By WESTAR AUTO HOLDING CO.,
       a Washington Corporation, Manager


        By:
           ------------------------------
           Robert W. Christensen, Jr.
           President