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EXHIBIT 31.1

Section 302 Certification

I, Robert J. Costantino, certify that:



| | 1. |  | I have reviewed this annual report on Form 10-K, and all
reports on Form 8-K containing distribution or servicing reports
filed in respect of periods included in the year covered by this
annual report, of WFS Financial 2005-3 Owner Trust;                                                                                                                                                                                                       
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| | 2. |  | Based on my knowledge, the information in these reports,
taken as a whole, does not contain any untrue statement of a
material fact or omit to state a material fact necessary to make the
statements made, in light of the circumstances under which such
statements were made, not misleading as of the last day of the
period covered by this annual report;                                                                                      
|
| | 3. |  | Based on my knowledge, the distribution or servicing
information required to be provided to the trustee by the servicer
under the pooling and servicing, or similar, agreement, for
inclusion in these reports is included in these reports;                                                                                                                                                                                                         
|
| | 4. |  | I am responsible for reviewing the activities performed by
the servicer under the pooling and servicing, or similar, agreement
and based upon my knowledge and the annual compliance review
required under that agreement, and except as disclosed in the
reports, the servicer has fulfilled its obligations under that
agreement; and                                                                                                              
|
| | 5. |  | The reports disclose all significant deficiencies relating to
the servicers compliance with the minimum servicing standards based
upon the report provided by an Independent Registered Public Accounting Firm, after
conducting a review in compliance with the Uniform Single
Attestation Program for Mortgage Bankers or similar procedures, as
set forth in the pooling and servicing, or similar, agreement, that
is included in these reports.

In giving the certifications above, I have reasonably relied on information
provided to me by the following unaffiliated party: Deutsche Bank Trust
Company Americas.

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|Date:
March 27, 2006 |  | /s/ Robert J. Costantino                                                                                                                    
|                     |  | Robert J. Costantino
Senior Executive Vice President, Chief
Financial
Officer and Chief Operating Officer
WFS Financial Inc, Master
Servicer