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UNITED STATES SECURITIES AND EXCHANGE COMMISSION
 Washington, D.C. 20549
 FORM 10-K
 þ
    
    ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
 For the fiscal year ended December 31, 2006
 OR
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    TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE
SECURITIES EXCHANGE ACT OF
1934
 For the transition period form  to .
 Commission file number of issuing entity: 333-125925-02
 Commission file number of depositor: 333-125925
 Triad Automobile Receivables Trust 2006-A
  Triad Financial Special Purpose LLC
  Triad Financial Corporation
  DELAWARE
    
    20-3966549(State or other jurisdiction of
    
    (I.R.S. Employerincorporation or organization)
    
    Identification No.)
 c/o Triad Financial Special Purpose LLC
7711 Center Avenue
Huntington Beach, California
92647
 (714) 373-8300
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TABLE OF CONTENTS  Part IItem 1B. Unresolved Staff CommentsItem 1112(b) of Regulation AB. Significant Obligors of Pool Assets (Financial Information)Item 1114(b)(2) of Regulation AB. Credit Enhancement and Other Support, Except for Certain Derivatives Instruments (Financial Information)Item 1115(b) of Regulation AB. Certain Derivatives Instruments (Financial Information)Item 1117 of Regulation AB. Legal ProceedingsPart IIItem 9B. Other InformationPart IIIItem 1119 of Regulation AB. Affiliations and Certain Relationships and Related TransactionsItem 1122 of Regulation AB. Compliance with Applicable Servicing CriteriaItem 1123 of Regulation AB. Servicer Compliance StatementPart IVItem 15. Exhibits, Financial Statement SchedulesSignatureIndex of ExhibitsEXHIBIT 31.1EXHIBIT 33.1EXHIBIT 33.2EXHIBIT 34.1EXHIBIT 34.2EXHIBIT 35.1    Table of Contents  
 Part I
  (A)
    
    Item 1, Business(B)
    
    Item 1A, Risk Factor(C)
    
    Item 2, Properties(D)
    
    Item 3, Legal Proceedings(E)
    
    Item 4, Submission of Matters to a Vote of Security Holders
 
 Item 1B. Unresolved Staff Comments
  Substitute information provided in accordance with General Instruction J to Form 10-K:
 
 Item 1112(b) of Regulation AB. Significant Obligors of Pool Assets (Financial Information).
  
 Item 1114(b)(2) of Regulation AB. Credit Enhancement and Other Support, Except for Certain
Derivatives Instruments (Financial Information).
  
 Item 1115(b) of Regulation AB. Certain Derivatives Instruments (Financial Information).
  
 Item 1117 of Regulation AB. Legal Proceedings.
  
 Part II
  (A)
    
    Item 5, Market for Registrants Common Equity, Related Stockholder Matters and
Issuer Purchases of Equity Securities(B)
    
    Item 6, Selected Financial Data(C)
    
    Item 7, Managements Discussion and Analysis of Financial Condition and Result
of Operation(D)
    
    Item 7A, Quantitative and Qualitative Disclosure about Market Risk(E)
    
    Item 8, Financial Statements and Supplementary Data(F)
    
    Item 9, Changes in and Disagreements with Accountants on Accounting and
Financial Disclosure(G)
    
    Item 9A, Controls and Procedures
 
 Item 9B. Other Information
  
 Part III
  (A)
    
    Item 10, Directors and Executive Officers of the Registrant(B)
    
    Item 11, Executive Compensation(C)
    
    Item 12, Security Ownership of Certain Beneficial Owners and Management and
Related Stockholder Matters(D)
    
    Item 13, Certain Relationships and Related Transactions, and Director
Independence(E)
    
    Item 14, Principal Accounting Fees and Services
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Substitute information provided in accordance with General Instruction J to Form 10-K :
 
 Item 1119 of Regulation AB. Affiliations and Certain Relationships and Related Transactions.
  
 Item 1122 of Regulation AB. Compliance with Applicable Servicing Criteria.
  
 Item 1123 of Regulation AB. Servicer Compliance Statement.
  
 Part IV
 
 Item 15. Exhibits, Financial Statement Schedules
                 
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    Filed herewith. 2




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Signature
  Triad Automobile Receivables Trust 2006-Aby: Triad Financial Corporation(Servicer, not in its individual capacity but
solely as Servicer on behalf of the Issuing Entity)/s/ Mike L. WilhelmsName:
    Mike L. WilhelmsTitle:
    Chief Financial Officer March 30, 2007
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Index of Exhibits
 Exhibit No.
    
    Description3.1
    
    Certificate of Formation of Triad Financial Special Purpose
LLC (the Depositor) (incorporated by reference to Exhibit 3.1 to
Triad Financial Special Purpose LLCs Registration Statement on Form S-3 Filed
on June 17, 2005 (File No. 333-125925))3.2
    
    Limited Liability Company Agreement of the Depositor (incorporated by
reference to Exhibit 3.2 to the Depositors Registration Statement on Form S-3 Filed on June
17, 2005 (File No. 333-125925)).4.1
    
    Indenture, dated as of January 26, 2006, between Triad
Automobile Receivables Trust 2006-A (the Issuing Entity) and Citibank, N.A. (the Indenture
Trustee) (incorporated by reference to Exhibit 4.1 on the Issuing Entitys Form 8-K Filed on
January 27, 2006 (File No. 333-125925-02)).4.2
    
    Trust Agreement, dated as of January 26, 2006, among Triad
Financial Corporation (Triad), the Depositor and Wilmington Trust Company, as the Owner
Trustee (incorporated by reference to Exhibit 4.2 on the Issuing Entitys Form 8-K Filed on
January 27, 2006 (File No. 333-125925-02)).4.3
    
    Sale and Servicing Agreement, dated as of January 26, 2006, among
the Depositor, Triad, the Issuing Entity and the Indenture Trustee (incorporated by reference
to Exhibit 4.3 on the Issuing Entitys Form 8-K Filed on January 27, 2006 (File No.
333-125925-02)).4.4
    
    Note Guaranty Insurance Policy, dated as of January 26, 2006 and
delivered by Ambac Assurance Corporation (the Insurer) (incorporated by reference to Exhibit
4.4 on the Issuing Entitys Form 8-K Filed on January 27, 2006 (File No. 333-125925-02)).10.1
    
    Purchase Agreement, dated as of January 26, 2006, between Triad
and the Depositor (incorporated by reference to Exhibit 10.1 on the Issuing Entitys Form 8-K
Filed on January 27, 2006 (File No. 333-125925-02)).10.2
    
    Insurance and Indemnity Agreement, dated as of January 26, 2006,
among the Insurer, the Issuing Entity, Triad, the
Depositor and the Indenture Trustee (incorporated by reference to Exhibit 10.2
on the Issuing Entitys Form 8-K Filed on
January 27, 2006 (File No. 333-125925-02)).31.1
    
    Certification Pursuant to Section 302(a) of the Sarbanes-Oxley
Act of 2002.*33.1
    
    Management Assessment of Compliance with Applicable Servicing
Criteria, dated March 30, 2007, of Triad Financial
Corporation.*33.2
    
    Management Assessment of Compliance with Applicable Servicing
Criteria, dated February 28, 2007, of Citibank, N.A.*34.1
    
    Report of Registered Public Accounting Firm, dated March 30,
2007, of PricewaterhouseCoopers LLP, relating to Exhibit 33.1.*34.2
    
    Report of Registered Public Accounting Firm, dated February 28,
2007, of KPMG LLP, relating to Exhibit 33.2.*35.1
    
    Servicer Compliance Statement, dated March 30, 2007, of Triad
Financial Corporation.*99.1
    
    Consolidated financial statements of Ambac Assurance Corporation and
its subsidiaries (incorporated by
reference from Exhibit 99.01 of the Year End Report on Form 10-K filed by Ambac
Financial Group, Inc. on March 1, 2007 (File No. 1-10777)).
 
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    Filed herewith. 4