               UNITED STATES 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) MarchApril 15, 2005


                     NAVISTAR FINANCIAL 2003-A OWNER TRUST
             (Exact name of Registrant as specified in its charter)


                                    Delaware
                 (State or other jurisdiction of incorporation)



              333-67112-04                           32-6022141
      (Commission File Number)            (I.R.S. Employer Identification No.)




 2850425 WestN. GolfMartingale Road Rolling MeadowsSchaumburg, Illinois             60008              60173
   (Address of principal executive offices)             (Zip Code)



         Registrant's telephone number including area code 847630-734753-4000


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                    INFORMATION TO BE INCLUDED IN THE REPORT


Item 8.01  Other Events.

           On MarchApril 15, 2005, the  Registrant  made  available  the
           Monthly Servicer Certificate for the Period of FebruaryMarch 2005
           for the NAVISTAR FINANCIAL 2003-A OWNER TRUST, which is
           attached as Exhibit 20 hereto.


Item 9.01  Financial Statements and Exhibits.


         (c)      See attached Exhibit 20.


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                                   SIGNATURE


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 thereunto duly authorized.


                      NAVISTAR FINANCIAL 2003-A OWNER TRUST
             (Exact name of Registrant as specified in its charter)



Date:  MarchApril 2826, 2005                     By:/s/ PAUL E. MARTIN
-----------------------                          --------------------------
                                                 Paul E. Martin
                                                 Vice President & Controller


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                                  EXHIBIT INDEX

Exhibit No.    Description

   20          Navistar Financial 2003-A Owner Trust
               Monthly Servicer Certificate #2223, dated MarchApril 15, 2005


================================================================================


                                 EXHIBIT 20

                 Navistar Financial 2003 - A Owner Trust
                                             For the Month of FebruaryMarch 2005
                                       Distribution Date of MarchApril 15, 2005
                                               Servicer Certificate  #2223

Original Pool Amount                                                                                $326,316,883.05
Subsequent Receivables (transferred 06/05/03)                                $67,372,775.52
Subsequent Receivables (transferred 07/07/03)                              $106,309,639.77
Subsequent Receivables (transferred xx/xx/xx)                                                  $0.00
Subsequent Receivables (transferred xx/xx/xx)                                                  $0.00
Beginning Pool Balance                                                                            $215207,966294,477743.9015
Beginning Pool Factor                                                                                          0.43193364145901

Principal and Interest Collections:
    Principal Collected (Incl. Servicer Advance Repay)                $89,097289,260837.3389
    Interest Collected                                                                                $1,309252,900433.8598
    Mandatory Prepayments                                                                                          $0.00
Additional Deposits:

    Repurchase Amounts                                                                                                $0.00



    Liquidation Proceeds / Recoveries                                                      $303260,312331.7408
Total Additional Deposits                                                                              $303260,312331.7408

Repos / Chargeoffs                                                                                            $574173,474434.4257
Aggregate Number of Notes Charged Off                                    157                                  158

Total Available Funds                                                                                 $910,710427,473868.9245

Ending Pool Balance                                                                                  $207198,294206,743205.1519
Ending Pool Factor                                                                                                0.41459013964130

Servicing Fee                                                                                                      $179172,972745.0662
    memo: Servicer will allocate $1,500.00 of Servicing
          Servicing Fee as Administration Fee
Repayment of Servicer Advances                                                                          $0374,734.0050
--------------------------------------------------------------------------------

Memo Item - Reserve Account:
Prior    Opening Month Balance                                                                                    $11,878401,156210.2887

    Invest. Income                                                                                                  $2024,913123.2453
    Excess Service                                                                                                $488809,712397.1651
    Transfer (to) Collections Acct                                         $                                                     0.00
                                                                                                                     ------------------
    Collections Acct
    Beginning Balance                                                                                    $12,387234,781731.6891

--------------------------------------------------------------------------------

Reserve Account:
    Beginning Balance  (see Memo Item)                                              $12,387234,781731.6891
    Target Percentage                                                                                                   5.50%
    Target Balance                                                                                      $1110,401901,210341.8729
    Specified Yield Supplement Amount                                                                  $0.00
    Specified Yield Supplement Amount                                                                  $0.00
    Specified Reserve Account Balance                                                $1110,401901,210341.8729
    Minimum Balance                                                                                      $9,999,985.97
    (Release) / Deposit                                                                              ($9861,570333,390.8162)
                                                         ---------------------
    Ending Balance                                                                                      $1110,401901,210341.8729

-----------------------------------------------------------------------------
Current Weighted Average APR:                                                                                7.067043%
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
Current Weighted Average Remaining Term (months):                      34                    33.1022
-----------------------------------------------------------------------------
Delinquencies                                                                                                                  Dollars    Notes
    Installmen1sInstallments:  1 - 30 days                                       1                                      963,211,752051.50    1,35137      943
                                31 - 60 days                                        222                                      160,648238.4658      247174
                                60+  days                                           114                                         108,133712.1611       9351

                  Total:                                                                                                    1,548232,534002.12    1,36306      962
            Balances: 60+  days                                         1885,280,938155.8788       9351


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Navistar Financial 2003 - A Owner Trust
For the Month of FebruaryMarch 2005
                                                                                                                                                               NOTES
                                                                                   TOTAL                 CLASS A - 1         CLASS A - 2         CLASS A - 3     CLASS A - 4    CLASS B NOTES
                                     $500,000,000.00   $85,000,000.00 $175,000,000.00 $113,000,000.00 $108,250,000.00 $18,750,000.00
Original Pool Amount

Distributions:
   Distribution Percentages  1                                 0.00%           0.00%          96.25%           0.00%          3.75%

   Coupon                                                    1.2500%         1.3100%         1.7300%         2.2400%        3.0800%

Beginning Pool Balance               $215207,966294,477743.9015
Ending Pool Balance                  $207198,294206,743205.1519

Collected Principal                    $8,097915,260103.3339
Collected Interest                     $1,309252,900433.8598
Charge - Offs                            $574173,474434.4257
Liquidation Proceeds / Recoveries        $303260,312331.7408
Swap Payments to/(from)Trust                   $0.00
Servicing & Administration Fee           $179172,972745.0662
Investment Earnings from Pre-Funding Acct.     $0.00
Cash Transfer from Negative Carry Acct.        $0.00
Cash Transfer from Pre-Funding Acct.           $0.00
Cash Transfer from Reserve Account             $0.00
Total Collections Avail for Debt Svc     $910,530255,501122.8683

Beginning Balance                    $215207,966294,477743.90          15           $0.00           $0.00   $9688,430083,234690.97 27  $108,250,000.00 $1110,286961,242052.9388

Interest Due 2                           $370357,054187.95          36           $0.00           $0.00         $139126,020987.26     32      $202,066.67     $28,968133.0237
Interest Paid                            $370357,054187.95          36           $0.00           $0.00         $139126,020987.26     32      $202,066.67     $28,968133.0237
Principal Due                          $89,671088,734537.75          96           $0.00           $0.00     $8,346747,544717.70           79            $0.00    $325340,190820.0517
Mandatory Prepayments Class A-1 only **        $0.00                     $0.00
Principal Paid                         $89,671088,734537.75          96           $0.00           $0.00     $8,346747,544717.70           79            $0.00    $325340,190820.0517

Ending Balance                       $207198,294206,743205.15          19           $0.00           $0.00  $8879,083335,690972.27 48  $108,250,000.00 $10,961620,052232.8871
Note / Certificate Pool Factor)
        (Ending Balance/Original Pool Amt                         )                       0.0000          0.0000                   0.7795          7021           1.0000         0.58465664
Total Distributions                    $9,041445,789725.70          32           $0.00           $0.00     $8,485874,564705.96     11      $202,066.67    $354368,158953.0754

Interest Shortfall                             $0.00                     $0.00           $0.00                     $0.00                       $0.00          $0.00
Principal Shortfall                            $0.00                     $0.00           $0.00                     $0.00                       $0.00          $0.00
   Total Shortfall                             $0.00                     $0.00           $0.00                     $0.00                       $0.00          $0.00
Excess Servicing
   (see Memo Item - Reserve Account)     $488809,712397.1651

   Beginning Reserve Acct Balance             $12,387234,781731.6891
   (Release) / Draw                                           ($9861,570333,390.8162)
   Ending Reserve Acct Balance                   $1110,401901,210341.8729

1) Principal distributions will be paid in the following priority:  First to Class A-1 until paid in full, second 96.25% applied
   sequentially to Class A notes and 3.75% to Class B notes until all Class A Notes are repaid in full, then 100% to Class B Notes.
2) Class A-1 Interest based on Actual Number of Days.   Interest for first settlement based off 11 days, from 06/05/03 to 06/16/03
for for
   Class A-1, .  Class A-2, A-3, A-4 and Class B Interest calculated on 10 days (06/05/03 to 06/15/03).

(* x represents previously paid interest to other classes.)
(* y represents previously paid interest and principal on other classes.)
=================================================================
Memo Item - Advances:
   Servicer Advances - Current Reporting Period          ($167374,770734.0650)
   Total Outstanding Servicer Advances                         $2,885510,104370.7323
=================================================================


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Navistar Financial 2003 - A Owner Trust
For the Month of FebruaryMarch 2005

Trigger Events:   AEventsA)  Loss Trigger
                                B)  Delinquency Trigger
                                C)  Noteholders Percent Trigger

                                                                               5                 4               3                               2               1               0
                                     Sep-04            Oct-04                       Nov-04                    Dec-04          Jan-05          Feb-05          Mar-05

Remaining Gross Balance            $290,321,911.20   $279,464,108.75   $268,684,607.55 $257,413,226.46   $247,293,535.85 $239,099,969.27 $228,999,826.03

A)   Loss Trigger:

Principal of Contracts Charged Off     $188,461.96       $972,918.65           $130,444.51      $86,489.42           $221,163.55     $574,474.42     $173,434.57

Recoveries                             $343,966.22       $143,171.56           $129,128.81     $344,976.73           $437,714.97     $303,312.74     $260,331.08

Total Charged Off (MthsMonths 5, 4, 3)         $1,291189,825852.1258
Total Recoveries (MthsMonths 3, 2, 1)            $9111,820086,004.5144
                                                                     ----------------
Net Loss / (Recoveries) for 3 Mos              $380103,004848.61 14(a)

Total Balance (MthsMonths 5, 4, 3)            $838805,470561,627942.50 76(b)

Loss Ratio Annualized  [(a/b) * (12)]                  0.54391547%

Trigger:  Is Ratio > 1.5%                                             No
                                                                                      Dec-04                                                                                              Jan-05                      Feb-05          Mar-05
B)   Delinquency Trigger:
     Balance delinquency 60+ days                                                                                                    $1,363,423.60    $701,261.20       $1,280,938.87     $885,155.88
     As % of Remaining Gross Balance                                                                                                       0.5296628357%               0.2835753573%                 0.5357338653%
     Three Month Average                                                                                                                               0.4572440774%               0.4077444966%                 0.4496640195%

Trigger:  Is Average > 2.0%                                        No

C)   Noteholders Percent Trigger:                   2.28021803%
     Ending Reserve Account Balance
     not less than 1% of Initial Aggregate
     Receivables Balance

Trigger:  Is Minimum < 1.0%                                        No

Beginning Balance -
      Back-up 
     Servicer Acct                                $250,000.00
plus:    Monthly Interest Earned                     $441531.8463
less:    Monthly Interest Earned
                           returned to NFC                          ($441531.8463)
less:    Activity for month                                   $0.00
Ending Balance- Back-up Servicer Acct    $250,000.00



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Filing Compare · NAVISTAR FINANCIAL RETAIL REC CORP 2003 A OWNER TRUST
