UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported): ~~May~~January 2425, ~~2004~~2005

WFS Financial Inc

(Exact Name of Registrant as Specified in Charter)

California	33-93068	33-0291646
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(IRS Employer Identification No.)
(State or Other Jurisdiction of	(Commission File Number)	(IRS Employer
Incorporation)		Identification No.)

23 Pasteur, Irvine, California 92618-3804 ~~(Address of Principal Executive Offices)(Zip Code)~~

(Address of Principal Executive Offices)(Zip Code)

Registrant’s telephone number, including area code: (949) 727-1002

Not Applicable ~~(Former Name or Former Address, if Changed since Last Report)~~

(Former Name or Former Address, if Changed since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

TABLE OF CONTENTS

	Item 5. Other Events and Regulation FD Disclosure.
	Item 2.02 Results of Operations and Financial Condition
	Item 7. Financial Statements and Exhibits.
	Item 7.01 Regulation FD Disclosure
	Item 9.01 Financial Statements and Exhibits.
SIGNATURE
EXHIBIT INDEX
EXHIBIT 99.1

Item 52.02 ~~Other~~Results ~~Events~~of Operations and ~~Regulation~~Financial ~~FD Disclosure.~~Condition

On ~~May~~January 2425, 2004, ~~Westcorp and~~ WFS Financial Inc ~~jointly~~issued ~~announced that they had entered into~~ a ~~merger~~press ~~agreement~~release ~~pursuant~~announcing toits ~~which~~results ~~Westcorp will acquire the outstanding 16% common stock interest~~ of ~~WFS Financial not already owned by~~operations ~~Westcorp’s~~for ~~wholly owned subsidiary, Western Financial Bank. In connection with~~ the ~~merger,~~year Westcorp also announced that it was filing an application with the California Department of Financial Institutions to convert Western Financial Bank’s current federal thrift charter to a California state bank charter. The transaction is subject to, among other closing conditions, the conversion of the charter, the receipt of regulatory approvals and ~~the~~quarter ~~approval~~ended ~~of a majority of WFS Financial’s shareholders~~December 31, ~~other than shares controlled by Westcorp~~2004. A copy of that press release is attached to this Form 8-K as Exhibit 99.1 and is incorporated herein by this reference.

Item 7.01 ~~Financial~~Regulation ~~Statements~~FD ~~and Exhibits.~~Disclosure

The following disclosure information is being furnished under Item 7.01 – Regulation FD Disclosure of Form 8-K pursuant to Rule 101(ce)(1) of Regulation ~~Exhibits.~~FD:

~~The~~On ~~following~~January 26, ~~exhibit~~2005, isWFS ~~furnished~~Financial ~~herewith~~Inc held a conference call in conjunction with its parent company Westcorp. In this conference call, guidance was provided as follows:

~~Exhibit 99.1~~“We’re well –positioned ~~WFS~~for ~~Financial~~profitable ~~Inc Press Release dated May 24~~growth, ~~2004~~and

~~Table~~• We expect to continue to grow in the 10% to 15% range. • In this part of ~~Contents~~the business cycle, we expect improvement in credit performance. • While on the flip side, we expect interest margin compression as interest rates rise. • We anticipate that our operating efficiency ratios will remain flat as we continue to invest in the business including opening new offices.”

~~SIGNATURE~~This Regulation FD information is being furnished to the SEC and shall not be deemed “filed” for purposes of Section 18 of the Act.

~~Pursuant~~Item to9.01 ~~the~~Financial ~~requirements~~Statements ofand ~~the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized~~Exhibits.

	WFS FINANCIAL INC,
May 26, 2004	By:	/s/ LEE A. WHATCOTT
		Lee A. Whatcott
		Senior Executive Vice President, Chief Financial Officer and Chief Operations Officer

	(a)	Not Applicable

	(b)	Not Applicable

	(c)	List of documents filed as part of this report: Exhibit 99.1 – WFS Financial Inc Press Release of January 25, 2005

~~EXHIBIT INDEX~~SIGNATURE

EXHIBIT NO.		DESCRIPTION OF EXHIBIT
99.1		WFS Financial Inc Press Release dated May 24, 2004

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


	WFS FINANCIAL INC,
January 26, 2005	By:	/s/ LEE A. WHATCOTT
		Lee A. Whatcott
		Senior Executive Vice President, Chief Financial Officer and Chief Operations Officer

EXHIBIT INDEX


EXHIBIT NO.		DESCRIPTION OF EXHIBIT

99.1		WFS Financial Inc Press Release of January 25, 2005

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