Exhibit 99.1

Summary of the Characteristics of the Contracts


Outstanding Principal Balance	$	2,799,999,981.52
Minimum	$	521.07
Maximum	$	147,722.49
Average	$	18,318.25
Number of Contracts		152,853
Financed Vehicles
Percentage of New Vehicles		35.75	%
Percentage of Pre-Owned Vehicles		64.25	%
Percentage of Automobiles		41.95	%
Percentage of Light Duty Trucks		58.05	%
Percentage of Simple Interest Contracts		99.42	%
Percentage of Rule of 78’s Contracts		0.58	%
Annual Percentage Rate
Minimum		4.00	%
Maximum		32.99	%
Weighted Average		11.64	%
Remaining Maturities
Minimum (Months)		3
Maximum (Months)		84
Weighted Average (Months)		65.63
Original Maturities
Minimum (Months)		12
Maximum (Months)		84
Weighted Average (Months)		66.66
Percentage over 60 Months		67.79	%
Percentage over 70 Months		1.55	%

Distribution of Contracts by APR


					Percentage of
	Number		Sum of		Aggregate
	of		Principal		Principal
Contract APR	Contracts		Balances		Balance
4.000% - 4.999%		264	$	5,400,587.54		0.19	%
5.000% - 5.999%		3,355		69,342,495.03		2.48
6.000% - 6.999%		7,775		168,616,128.39		6.02
7.000% - 7.999%		11,486		245,982,234.63		8.79
8.000% - 8.999%		14,283		304,362,304.90		10.87
9.000%- 9.999%		17,811		364,886,637.27		13.03
10.000% - 10.999%		15,684		309,194,556.84		11.04
11.000% - 11.999%		12,909		247,903,154.92		8.85
12.000% - 12.999%		14,139		255,727,766.25		9.13
13.000% - 13.999%		10,153		178,834,420.54		6.39
14.000% - 14.999%		9,899		163,284,834.19		5.83
15.000% - 15.999%		8,243		130,817,106.59		4.67
16.000% - 16.999%		6,821		103,227,492.42		3.69
17.000% - 17.999%		5,860		86,327,316.45		3.08
18.000% - 18.999%		4,722		61,971,507.41		2.21
19.000% - 19.999%		3,184		39,118,391.40		1.40
20.000% - 20.999%		2,045		23,492,561.93		0.84
21.000% - 21.999%		2,220		23,036,390.72		0.82
22.000% and higher		2,000		18,474,094.10		0.66
Total:		152,853	$	2,799,999,981.52		100.00	%

Geographic Concentration of the Contracts


					Percentage of
	Number		Sum of		Aggregate
	of		Principal		Principal
Delaler State	Contracts		Balances		Balance
Alabama		796	$	15,856,296.85		0.57	%
Arizona		7,850		141,529,465.65		5.05
California		54,186		1,035,112,224.67		36.97
Colorado		3,961		70,083,423.43		2.50
Connecticut		871		14,683,403.00		0.52
Delaware		675		13,374,027.20		0.48
Florida		3,677		61,461,279.20		2.20
Georgia		2,863		58,823,913.91		2.10
Idaho		3,303		53,574,534.95		1.91
Illinois		3,596		64,502,504.26		2.30
Indiana		862		14,541,849.05		0.52
Iowa		420		7,006,690.14		0.25
Kansas		688		11,594,502.72		0.41
Kentucky		895		14,902,383.19		0.53
Maine		165		2,917,625.67		0.10
Maryland		3,131		65,025,623.84		2.32
Massachusetts		1,675		31,267,492.74		1.12
Michigan		2,632		44,497,266.24		1.59
Minnesota		1,566		27,092,710.80		0.97
Mississippi		102		1,795,206.32		0.06
Missouri		2,007		31,876,165.60		1.14
Montana		185		3,237,246.20		0.12
Nebraska		226		4,002,223.13		0.14
Nevada		4,385		80,435,144.11		2.87
New Hampshire		821		15,311,006.32		0.55
New Jersey		1,470		27,848,093.22		0.99
New Mexico		1,380		25,822,339.63		0.92
New York		4,174		69,723,639.66		2.49
North Caolina		3,696		67,300,586.24		2.40
North Dakota		13		227,673.66		0.01
Ohio		3,995		65,252,677.73		2.33
Oklahoma		285		5,719,712.43		0.20
Oregon		5,332		90,244,812.53		3.22
Pennsylvania		2,057		36,418,586.65		1.30
Rhode Island		151		2,666,602.21		0.10
South Carolina		1,757		33,875,921.54		1.21
South Dakota		161		2,717,158.82		0.10
Tennessee		2,050		35,171,839.88		1.26
Texas		5,309		111,429,632.70		3.98
Utah		2,265		41,488,279.28		1.48
Vermont		59		1,051,405.48		0.04
Virginia		5,076		99,725,391.23		3.56
Washington		9,763		158,573,524.09		5.66
West Virginia		38		622,696.61		0.02
Wisconsin		1,937		32,845,824.57		1.17
Wyoming		347		6,769,374.17		0.24
Total:		152,853	$	2,799,999,981.52		100.00	%

WFS FINANCIAL 2005-3 OWNER TRUST 8-K