Document:

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                                                                 EXHIBIT 10.25.2

                             SECOND AMENDMENT TO THE

                       REVOLVING LINE OF CREDIT AGREEMENT

This SECOND AMENDMENT ("Amendment") is dated as of January __, 2003, by and
between WFS RECEIVABLES CORPORTION 3, a California corporation (the "Borrower"),
and WESTERN FINANCIAL BANK a federal savings bank (the "Bank"), and amends the
REVOLVING LINE OF CREDIT AGREEMENT, as amended, ("Agreement") entered into by
the parties on August 8, 2002 with reference to the following:

                                    RECITALS

A. The Agreement is being amended as follows:

                                    AGREEMENT

      In consideration of the mutual promises set forth herein, and in reliance
upon the recitals set forth above, the parties agree as follows:

      1.    CERTAIN DEFINITIONS

            The definition of "COMMITMENT AMOUNT" shall mean $150,000,000.

      2.    Except as specifically amended herein, all terms of the Agreement
            shall remain in full force and effect.

      3.    Capitalized terms not defined herein shall have the meanings set
            forth in the Agreement.

Wherefore, the undersigned have executed this Amendment on the date set forth
below to be effective as of the date first set forth above.

WFS RECEIVABLES CORPORATION 3               WESTERN FINANCIAL BANK

-----------------------------------         ---------------------------------
John Coluccio, President                    Lee A. Whatcott,
                                            Senior Executive Vice President,
                                            Chief Financial Officer and
                                            Chief Operating Officer<PAGE>

                                                                 EXHIBIT 10.31.1

                    FIRST AMENDMENT TO THE REFERRAL AGREEMENT

This First Amendment to the Referral Agreement (" First Amendment") is made
effective as of March __, 2003, by and between WFS Financial Inc, a California
corporation ("WFS"), and Western Financial Bank, a federally chartered bank
("WFB"), and hereby amends the Referral Agreement ("Agreement") entered into by
the parties on September 16, 2002 with reference to the following:

                                    RECITALS

      WHEREAS, the parties have entered into the Agreement on September 16,
2002;

      WHEREAS, the parties desire to amend the Agreement to remove WestFin
Insurance Agency as a party to the Agreement; and

      WHEREAS, the parties further desire to amend the Agreement to supercede
Exhibit A to the Agreement with Exhibit A-1, attached hereto, in order to remove
any referrals to WestFin Insurance Agency.

      NOW, THEREFORE, in consideration of the mutual covenants and promises set
forth herein, and in reliance upon the recitals set forth above, the Agreement
is amended as follows:

                                    AGREEMENT

      1.    WestFin Insurance Agency is hereby removed as a party to the
            Agreement.

      2.    Exhibit A to the Agreement is hereby superceded by Exhibit A-1,
            attached hereto in order to remove any referrals to WestFin
            Insurance Agency.

      3.    Except as specifically amended herein, all terms of the Agreement
            shall remain in full force and effect.

      4.    Capitalized terms not defined herein shall have the meanings set
            forth in the Agreement.

      Wherefore, the undersigned have executed this First Amendment on the date
set forth below to be effective as of the date first set forth above.

WFS FINANCIAL INC                             WESTERN FINANCIAL BANK

-----------------------------------           ----------------------------------
Mark Olson, Senior Vice President             Lee Whatcott,
Controller                                    Senior Executive Vice President
                                              Chief Financial Officer
                                              Chief Operating Officer
<PAGE>
                                   EXHIBIT A-1

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------
REFERRING PARTY    USING PARTY          PURPOSE                REFERRAL FEE       PAYABLE
------------------------------------------------------------------------------------------
<S>                <C>           <C>                          <C>                <C>

WFS                WFB           Checking Account             $25                Monthly
------------------------------------------------------------------------------------------
WFS                WFB           Money Market Account         $25                Monthly
------------------------------------------------------------------------------------------
WFB                WFS           Origination of Consumer      $250 per funded    Monthly
                                 Auto Loans (applicable to    loan
                                 National Business Centers
                                 Only)
------------------------------------------------------------------------------------------
WFS                WFB           Credit Card Fees related     WFB 51.94%         Quarterly
                                 to First USA Agent Banks     WFS 48.06%
------------------------------------------------------------------------------------------
</TABLE><PAGE>
                                                                   EXHIBIT 10.35

[WESTERN FINANCIAL BANK LOGO]

                      CLEAN, IRREVOCABLE AND UNCONDITIONAL
                      STANDBY LETTER OF CREDIT NO. 03-006

      DATE: May 30, 2003

      BENEFICIARY:                                           APPLICANT:
      Travelers Casualty and Surety Company of America,      WFS Financial, Inc.
      for itself, and on behalf of its affiliates and        23 Pasteur
      subsidiaries                                           Irvine, CA 92618
      One Tower Square, H.O. Bond, 15 CZ
      Hartford, CT 06183
      Attention: Collateral processing, National Resources
      H.O.Bond.15 CZ (Branch:____________Code:___________

      AMOUNT: $776,000.00 U.S.D.
      Seven Hundred Seventy Six Thousand and 00/100 U.S. Dollars

      EXPIRY DATE: May 28, 2004             PARTIAL DRAWING(S): Permitted

      EXPIRY PLACE: Western Financial Bank's Counter located in the Commercial
      Banking Group, 15750 Alton Parkway, Irvine, CA 92618

      We hereby establish this CLEAN, IRREVOCABLE AND UNCONDITIONAL LETTER OF
      CREDIT ("Letter of Credit") in your favor as Beneficiaries (referred to
      herein as "you" or "your") and authorize you to draw on us up to the
      aggregate amount of SEVEN HUNDRED SEVENTY SIX THOUSAND AND 00/100 UNITED
      STATES DOLLARS ($776,000.00) effective immediately. After this Letter of
      Credit has been issued, it cannot be revoked, amended or reduced without
      your written acknowledgment and consent.

      The term "Beneficiaries" includes any successor by operation of law of the
      named Beneficiaries including, without limitation, any liquidator,
      rehabilitator, receiver or conservator.

      We hereby undertake to fully and promptly honor each of your sight drafts
      drawn on us under this Letter of Credit, for all or any part of this
      Letter of Credit, if presented to us at the expiry place referenced above
      on or before the close of business on the expiry date referenced above or
      any automatically extended expiry date. If you so choose, you will be able
      to draw on this Letter of Credit more than once without amendment,
      provided that the sum of the amounts that you have drawn does not exceed
      the full amount of this Letter of Credit.

      This Credit sets forth in full the terms of our undertaking, and such
      undertaking shall not in any way be modified, amended or amplified by
      reference to any note, document, instrument or agreement referred to
      herein or in which this Letter of Credit is referred to or to which the
      Letter of Credit relates and any such reference shall not be deemed to be
      incorporated herein by reference. The obligation of Western Financial Bank
      under this Letter of Credit is not subject to any condition or
      qualification, and is the individual obligation of Western Financial Bank,
      and is

      15750 Alton Parkway, Irvine, California 92618 - 949-727-1000

                                                                       [GRAPHIC]

<PAGE>

      in no way contingent upon reimbursement with respect thereto or upon our
      ability to perfect any lien, security interest or any other reimbursement.

      This Letter of Credit shall be deemed to be automatically extended,
      without amendment, for successive one year periods from the stated expiry
      date, or any future expiry date, unless we have notified you in writing by
      registered mail or nationally recognized courier service, not less than
      sixty (60) days prior to the then relevant expiration date, that we elect
      not to renew this Letter of Credit. In that event, you may draw your sight
      draft on us under this Letter of Credit prior to the close of business on
      the then relevant expiration date, up to the full amount then available
      under this Letter of Credit. Our notice of election not to renew shall be
      sent by registered mail or a nationally recognized courier service to
      Travelers Casualty and Surety Company of American to the attention of
      "Collateral Processing, National Resources, H.O. Bond, 15 CZ.".

      We hereby represent and affirm that the execution of this Letter of Credit
      will not constitute a violation of any law or regulation which may limit
      the amount of credit which can be extended by Western Financial Bank to
      any single borrower or customer.

      This Letter of Credit is subject to and governed by the Uniform, Customs
      and Practice for Documentary Credits, 1993 Revision, International Chamber
      of Commerce (Publication No. 500). If this Credit expires during an
      interruption of business as described in Article 17 of said Publication
      500, Western Financial Bank hereby specifically agrees to effect payment
      if this Letter of Credit is drawn against within 30 days after the
      resumption of business.

      Very truly yours,

      WESTERN FINANCIAL BANK

      BY:/s/ James E. Tecca
         -------------------------------
         JAMES E. TECCA, VICE CHAIRMAN
         Phone: 949.754.7060

                                       2

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