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                                                                    EXHIBIT 23.2

                         CONSENT OF INDEPENDENT AUDITORS


        We consent to the incorporation by reference in the Registration
Statement (Form S-8 No. 333-_______) pertaining to the Westcorp 2001 Stock
Option Plan, of our report dated January 22, 2001 with respect to the
consolidated financial statements of Westcorp included in its Annual Report
(Form 10-K) for the year ended December 31, 2000, filed with the Securities and
Exchange Commission.


                                          ERNST & YOUNG LLP

Los Angeles, California
June 7, 2001