SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 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) ~~October~~January 2912, ~~2003~~2004

Triad Automobile Receivables Trust 2003-B (Issuer with respect to the Notes)

Triad Financial Corporation (~~Issuer~~Exact ~~with~~name ~~respect~~of toregistrant ~~Securities~~as specified in its charter)

Triad Financial Corporation


California	333-90130	33-0356705

(State or Other	(Commission File	(I.R.S. Employer
Jurisdiction of	Number)	Identification No.)
Incorporation)

(Exact name of registrant as specified in its charter)


Debra Glasser, Esq
Triad Financial Corporation
7711 Center Avenue
Suite 100
Huntington Beach, California		92647

(Address of principal executive offices)		(Zip Code)

California		333-90130		33-0356705
(State or Other Jurisdiction of Incorporation)		(Commission File Number)		(I.R.S. Employer Identification No.)


Registrant’s Telephone Number, including area code:		(714)373-8300

Debra Glasser, Esq. Triad Financial Corporation 7711 Center Avenue Suite 100 Huntington Beach, California				92647
(Address of principal executive offices)				(Zip Code)


No Change
(Former name or former address, if changed since last report)

Registrant’s Telephone Number, including area code: (714) 373-8300

No Change

(Former name or former address, if changed since last report)

TABLE OF CONTENTS

	Item 2. Acquisition or Disposition of Assets
	Item 5. Other Events
	Item 7. Financial Statements, Pro Forma Financial Information and Exhibits
	Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.
SIGNATURES
EXHIBIT INDEX
EXHIBIT 1.1
EXHIBIT 99
EXHIBIT 4.1
EXHIBIT 4.2
EXHIBIT 4.3
EXHIBIT 4.4
EXHIBIT 8.2
EXHIBIT 10.1

Item 25. ~~Acquisition~~Other ~~or Disposition of Assets~~Events

~~Description~~Information related to distributions to Noteholders for the December, 2003 Collection Period with respect to the Class A-1 Notes, Class A-2 Notes, Class A-3 Notes, Class A-4 Notes and the Class B Notes (the “Notes”) issued by the Issuer. The performance of the ~~Securities~~Receivables held by the Issuer as well as other information related to the Notes is contained in the Servicer’s Certificate and the ~~Auto~~Statement ~~Loans~~to Noteholders for the referenced Collection Period. Both reports have been provided to the Noteholders pursuant to the Sale and Servicing Agreement dated as of October 1, 2003 among the Issuer, Triad Financial Special Purpose LLC, as Depositor, Triad Financial Corporation, as Servicer and JPMorgan Chase Bank, as Backup Servicer and Indenture Trustee (the “Agreement”).

Triad Financial Corporation, as Sponsor (“Triad”), has registered an issuance of $5,000,000,000 in principal amount of Securities (the “Securities”) on Form S-3 (Registration File No. 333-90130) (the “Registration Statement”). Pursuant to the Registration Statement, Triad Automobile Receivables Trust 2003-B (the “Issuer”) issued $193,000,000 Class A-1 1.13% Automobile Receivables Backed Notes, $280,000,000 Class A-2 1.66% Automobile Receivables Backed Notes, $210,000,000 Class A-3 2.48% Automobile Receivables Backed Notes and $249,000,000 Class A-4 3.20% Automobile Receivables Backed Notes, (collectively, the “Notes”) on October 29, 2003 (the “Closing Date”). This Current Report on Form 8-K is being filed to satisfy an undertaking to file copies of certain agreements executed in connection with the issuance of the Notes, the forms of which were filed as Exhibits to the Registration Statement.

The Notes were issued pursuant to an Indenture attached hereto as Exhibit 4.1, dated as of October 1, 2003, between the Issuer and JPMorgan Chase Bank, as Trustee (the “Trustee”).

The Notes will evidence indebtedness of the Issuer, the assets of which consist primarily of motor vehicle retail installment sales contracts and installment loans (the “Receivables”) secured by new and used automobiles and light duty trucks financed thereby.

As of the Closing Date, the Receivables had the characteristics described in the Prospectus Supplement dated October 20, 2003 (the “Prospectus Supplement”) filed with the Commission pursuant to Rule 424(b)(5) of the Act on October 27, 2003.

Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.

(a) Not applicable ~~(b) Not applicable (c) Exhibits:~~

~~1.1 Underwriting Agreement, dated as of October 20, 2003, between Triad Financial Special Purpose LLC, as Depositor~~ (~~the “Depositor”~~b) ~~and~~Not ~~Credit Suisse First Boston LLC, as Representative of the several Underwriters (the “Representative”).~~ applicable

~~4.1~~(c) ~~Indenture, dated as of October 1, 2003, between the Issuer and the Trustee.~~ Exhibits:

99. Servicer’s Certificate and Statement to Noteholders for the December, 2003 Collection Period relating to the Notes issued by the Issuer pursuant to the Agreement.

4.2 Amended and Restated Trust Agreement, dated as of October 29, 2003, among Triad, the Depositor and Wilmington Trust Company, as the Owner Trustee.

4.3 Sale and Servicing Agreement, dated as of October 1, 2003, among the Depositor, Triad, the Issuer and the Trustee.

4.4 Financial Guaranty Insurance Policy, dated as of October 29, 2003 and delivered by MBIA Insurance Corporation.

8.2 Opinion of Dewey Ballantine LLP, dated October 29, 2003, with respect to certain tax matters.

10.1 Purchase Agreement, dated as of October 1, 2003, between Triad and the Depositor.

SIGNATURES

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.

TRIAD FINANCIAL CORPORATION By: /s/ Debra G. Glasser Name: Debra G. Glasser Title: Vice President - Legal


	TRIAD FINANCIAL CORPORATION

	By:	/s/ Mike L. Wilhelms

	Name: Title:	Mike L. Wilhelms Chief Financial Officer
Dated: January 12, 2004

~~Dated: October 29, 2003~~3

EXHIBIT INDEX

Exhibit No.		Description
1.1		Underwriting Agreement, dated as of October 20, 2003, between Triad Financial Special Purpose LLC, as Depositor and Credit Suisse First Boston LLC, as Representative of the several Underwriters (the “Representative”).
99		Servicer’s Certificate and Statement to Noteholders for the December, 2003 Collection Period relating to the Notes issued by the Issuer.
4.1		Indenture, dated as of October 1, 2003, between the Issuer and the Trustee.
4.2		Amended and Restated Trust Agreement, dated as of October 29, 2003, among Triad, the Depositor and Wilmington Trust Company, as the Owner Trustee.
4.3		Sale and Servicing Agreement, dated as of October 1, 2003, among the Depositor, Triad, the Issuer and the Trustee.
4.4		Financial Guaranty Insurance Policy, dated as of October 29, 2003 and delivered by MBIA Insurance Corporation.
8.2		Opinion of Dewey Ballantine LLP, dated October 29, 2003, with respect to certain tax matters.
10.1		Purchase Agreement, dated as of October 1, 2003, between Triad and the Depositor.

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Filing Compare · TRIAD AUTOMOBILE RECEIVABLES TRUST 2003-B