<PAGE> 1
WFS FINANCIAL 2000-A OWNER TRUST
Distribution Date Statement
for Master Service Report Date of November 30, 2000
for Distribution Date of December 20, 2000
<TABLE>
<S> <C> <C> <C>
COLLECTIONS
DOLLARS
Payments received 122,636,609.97
Plus:
Servicer Advances 673,977.96
Reimbursement of holds 479,970.75
--------------------
1,153,948.71
Less:
Reimbursement Advances
Funds deposited in Holds Account (515,619.25)
(628,091.39)
--------------------
(1,143,710.64)
-------------------
Total Funds Available for Distribution 122,646,848.04
===================
DISTRIBUTIONS
Servicing Fee 3,041,275.00
Trustee and Other Fees 922,379.59
Other Miscellaneous Payments 0.00
--------------------
Total Fee Distribution 3,963,654.59
Note Interest Distribution Amount - Class A-1 332,080.46
Note Interest Distribution Amount - Class A-2 5,877,750.00
Note Interest Distribution Amount - Class A-3 6,588,250.00
Note Interest Distribution Amount - Class A-4 5,168,475.00
-------------------------
Total Class A interest Distribution 17,966,555.46
Note Principal Distribution Amount - Class A-1 20,905,870.28
Note Principal Distribution Amount - Class A-2 73,226,451.91
Note Principal Distribution Amount - Class A-3 0.00
Note Principal Distribution Amount - Class A-4 0.00
-------------------------
Total Class A Principal Distribution 94,132,322.19
--------------------
Total Class A Principal and Interest Distribution 112,098,877.65
Spread Account Deposit 6,584,315.80
-------------------
Total Distributions 122,646,848.04
===================
</TABLE>
<PAGE> 2
WFS FINANCIAL 2000-A OWNER TRUST
Distribution Date Statement
for Master Service Report Date of November 30, 2000
for Distribution Date of December 20, 2000
<TABLE>
<S> <C> <C> <C>
PORTFOLIO DATA:
# of loans
Beginning Security Balance 75,881 1,004,905,870.28
Less: Scheduled Principal Balance 0 (41,175,614.42)
Full Prepayments (3,805) (36,433,761.09)
Partial Prepayments 0 0.00
Liquidations (1,250) (16,522,946.68)
-------------------
(94,132,322.19)
---------------------
Ending Security Balance 70,826 910,773,548.09
=====================
OTHER RELATED INFORMATION:
Spread Account:
Beginning Balance 56,426,792.98
Deposits 6,584,315.80
Reductions 0.00
-------------------
Ending Balance 63,011,108.78
=====================
Beginning Initial Deposit Repayment 48,000,000.00
Repayments 0.00
-------------------
Ending Initial Deposit Repayment 48,000,000.00
=====================
Modified Accounts:
Principal Balance 0.00% 0.00
Scheduled Balance 0.00% 0.00
Servicer Advances
Beginning Unreimbursed Advances: 713,641.16
New Advances 673,977.96
Advances Reimbursed (515,619.25)
-------------------
Ending Unreimbursed Advances: 871,999.87
Holding Account:
Beginning Balance 1,008,669.29
Funds Deposited 628,091.39
Withdrawal to Collection Account (479,970.75)
-------------------
Ending Balance 1,156,789.93
Net Charge-Off Data: # of loans
Charge-Offs 2,889 16,117,759.09
Recoveries (1,647) (2,858,492.24)
-------------------
Net Charge-Offs 1,242 13,259,266.85
Delinquencies ( P&I): # of loans
30-59 Days 1,593 19,584,330.52
60-89 Days 455 5,105,797.13
90-119 Days 199 2,221,956.40
120 days and over 5 58,408.26
Repossessions 113 786,635.62
Contracts Repurchased (pursuant to Sect. 3.02, 4.07, or 9.01
of the Sale and Servicing Agreement) 0 0.00
Charge-Off Percentage 4.26%
Delinquency Percentage 0.88%
WAC 14.6121%
WAM 53.029
</TABLE>
<PAGE> 3
WFS FINANCIAL 2000-A OWNER TRUST
Distribution Date Statement
for Master Service Report Date of November 30, 2000
for Distribution Date of December 20, 2000
<TABLE>
<CAPTION>
=====================================================================================================================
BEGINNING NOTE QUARTERLY TOTAL
Original Outstanding Principal Prior Principal
Principal Principal Distributable Principal Distributable
Classes Balance Balance Amount Carryover Amount
=====================================================================================================================
<S> <C> <C> <C> <C> <C>
A-1 216,000,000.00 20,905,870.28 20,905,870.28 0.00 20,905,870.28
A-2 340,000,000.00 340,000,000.00 73,226,451.91 0.00 73,226,451.91
A-3 365,000,000.00 365,000,000.00 0.00 0.00 0.00
A-4 279,000,000.00 279,000,000.00 0.00 0.00 0.00
=====================================================================================================================
TOTAL 1,200,000,000.00 1,004,905,870.28 94,132,322.19 0.00 94,132,322.19
=====================================================================================================================
==============================================================================================
Remaining Total
Principal Current Outstanding Principal
Distribution Principal Principal and Interest
Classes Amount Carryover Balance Distribution
==============================================================================================
<S> <C> <C> <C> <C>
A-1 20,905,870.28 0.00 0.00 21,237,950.74
A-2 73,226,451.91 0.00 266,773,548.09 79,104,201.91
A-3 0.00 0.00 365,000,000.00 6,588,250.00
A-4 0.00 0.00 279,000,000.00 5,168,475.00
==============================================================================================
TOTAL 94,132,322.19 0.00 910,773,548.09 112,098,877.65
==============================================================================================
</TABLE>
<PAGE> 4
<TABLE>
<CAPTION>
===================================================================================================================================
NOTE QUARTERLY TOTAL
INTEREST PRIOR INTEREST INTEREST CURRENT DEFICIENCY POLICY
Note Interest Distributable Interest Distributable Distribution Interest Claim Claim
Classes Rate Amount Carryover Amount Amount Carryover Amount Amount
===================================================================================================================================
<S> <C> <C> <C> <C> <C> <C> <C> <C>
A-1 6.284% 332,080.46 0.00 332,080.46 332,080.46 0.00 0.00 0.00
A-2 6.915% 5,877,750.00 0.00 5,877,750.00 5,877,750.00 0.00 0.00 0.00
A-3 7.220% 6,588,250.00 0.00 6,588,250.00 6,588,250.00 0.00 0.00 0.00
A-4 7.410% 5,168,475.00 0.00 5,168,475.00 5,168,475.00 0.00 0.00 0.00
======================================
0.00 0.00
======================================
======================================
Note Percentage 100.000000%
=============================================================================================
Certificate Percentage 0.000000%
TOTAL 17,966,555.46 0.00 17,966,555.46 17,966,555.46 0.00
===================================================================================================================================
</TABLE>
<PAGE> 5
Detailed Reporting
See Schedule F
WFS Financial Inc, as Master Servicer, certifies that all computations
presented reflect accurate information as of November 30, 2000 and were
performed in conformity with the Sale and Servicing Agreement dated March 1,
2000.
/s/ MARK OLSON
---------------------------------------------
Mark Olson
Senior Vice President
Controller
/s/ SUSAN TYNER
---------------------------------------------
Susan Tyner
Vice President
Assistant Controller