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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549
 Form 10-K FOR ANNUAL AND TRANSITION REPORTS PURSUANT TO SECTIONS 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934 (Mark One) [X]
    
    ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 For the fiscal year ended  December 31, 2003 OR [   ]
    
    TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 For the transition period from  to Commission file number  333-90130 Triad Automobile Receivables Trust 2003-A, as issuer 
 California
    
    33-0356705State or other jurisdiction of
incorporation or organization
    
    (I.R.S. Employer Identification No.)7711 Center Avenue, Suite 100Huntington Beach, California
    
    92647(Address of principal executive offices)
    
    (Zip Code)
 Registrants
telephone number,
including area code
    
    (714) 373-8300Securities registered pursuant to Section 12(b) of the Act:
    
    NoneSecurities registered pursuant to Section 12(g) of the Act:
    
    None




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TABLE OF CONTENTS  PART IItem 1. Business.Item 2. Properties.Item 3. Legal Proceedings.Item 4. Submission of Matters to a Vote of Security Holders.PART IIItem 5. Market for Registrants Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities.Item 6. Selected Financial Data.Item 7. Managements Discussion and Analysis of Financial Condition and Results of Operations.Item 7A. Quantitative and Qualitative Disclosures About Market Risk.Item 8. Financial Statements and Supplementary Data.Item 9. Changes In and Disagreements With Accountants on Accounting and Financial Disclosure.Item 9A. Controls and Procedures.PART IIIItem 10. Directors and Executive Officers of the Registrant.Item 11. Executive Compensation.Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters.Item 13. Certain Relationships and Related Transactions.Item 14. Principal Accountant Fees and Services.PART IVItem 15. Exhibits, Financial Statement Schedules and Reports on Form 8-K.SIGNATURESEXHIBIT INDEXEXHIBIT 99.1EXHIBIT 99.2EXHIBIT 99.3    Table of Contents  Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days. Yes  [X]    No  [   ] Indicate by check mark if disclosure of delinquent filers pursuant to Item 405
of Regulation S-K is not contained herein, and will not be contained, to the
best of the registrants knowledge, in definitive proxy or information
statements incorporated by reference in Part III of this Form 10-K or any
amendment to this Form 10-K.  [X] Indicate by check mark whether the registrant is an accelerated filer (as
defined in Exchange Act Rule 12b-2) Yes  [   ]  No  [X] 
 PART I 
 Item 1. Business. A response to Item 1 is omitted in reliance on guidance provided by Bay View
Auto Trusts No-Action-Letter (January 15, 1998). 
 Item 2. Properties. The trust property includes, among other things: (i) automobile loans secured
by new and used automobiles and light duty trucks, (ii) monies received from
such automobile loans after February 28, 2003, (iii) an assignment of the
security interests in such financed automobiles, (iv) an assignment of the
right to receive proceeds from claims on physical damage, credit life and
disability insurance policies covering such financed vehicles or the obligors
under such automobile loans, (v) such automobile loan files, (vi) amounts that
may be held in certain lockbox and bank accounts, (vii) an assignment of rights
against certain automobile dealers, (viii) an assignment of rights against
certain third-party lenders, (ix) rights under certain transaction documents,
and (x) proceeds of the above items. 
 Item 3. Legal Proceedings. None. 
 Item 4. Submission of Matters to a Vote of Security Holders. None. 
 PART II 
 Item 5. Market for Registrants Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities. As of March 30, 2004, there was one holder of record of the certificate
representing ownership in the trust. See also Item 12 (Security Ownership of
Certain Beneficial Owners and Management). There was no principal market in
which the certificate traded. 
 Item 6. Selected Financial Data. A response to Item 6 is omitted on guidance provided in the Bay View Auto
Trusts No-Action Letter (January 15, 1998). 
 Item 7. Managements Discussion and Analysis of Financial Condition and Results of Operations. 2




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A response to Item 7 is omitted in reliance on guidance provided in the Bay
View Auto Trusts No-Action Letter (January 15, 1998). 
 Item 7A. Quantitative and Qualitative Disclosures About Market Risk. None. 
 Item 8. Financial Statements and Supplementary Data. A response to Item 8 is omitted in reliance on guidance provided in the Bay
View Auto Trusts No-Action Letter (January 15, 1998). 
 Item 9. Changes In and Disagreements With Accountants on Accounting and Financial Disclosure. None. 
 Item 9A. Controls and Procedures. A response to Item 9A is omitted pursuant to 17 C.F.R. §§ 240.13a-14(g) and
240.13a-15(a). 
 PART III 
 Item 10. Directors and Executive Officers of the Registrant. A response to Item 10 is omitted in reliance on guidance provided in the Bay
View Auto Trusts No-Action Letter (January 15, 1998). 
 Item 11. Executive Compensation. A response to Item 11 is omitted in reliance on guidance provided in the Bay
View Auto Trusts No-Action Letter (January 15, 1998). 
 Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters. Triad Financial Special Purpose LLC was the only holder of record which
beneficially owns more than 5% of the trust certificates. The dollar and
percentage amounts reflected in the table below are based upon the face amount
of the certificates as of the closing date, and do not reflect amortization, if
any, since that date. Name and Address
    
    Amount of Certificates
    
    Percentage of Certificatesof Owner
    
    Beneficially Owned
    
    Beneficially OwnedTriad Financial Special Purpose LLC
    
    no face amount
    
    100%7711 Center Avenue, Suite 390Huntington Beach, California 92647
 
 Item 13. Certain Relationships and Related Transactions.  (a)
    
    Transactions with Management and Others.None.(b)
    
    Certain Business Relationships.None.(c)
    
    Indebtedness of Management.None. 3




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Item 14. Principal Accountant Fees and Services. A response to Item 14 is omitted in reliance on the Instruction to Item 14. 
 PART IV 
 Item 15. Exhibits, Financial Statement Schedules and Reports on Form 8-K. (a) Exhibits. Exhibit Number
    
    Description99.1
    
    Independent Auditors Report dated March 8, 200499.2
    
    Annual Servicer Statement of Compliance99.3
    
    Certification of Disclosure Pursuant to
Section 302(a) of the Sarbanes-Oxley Act
of 2002
 (b) Reports on Form 8-K. The current reports on Form 8-K attaching the related Monthly Servicers Report
were filed by the trust on October 14, 2003 for the month ending September 30,
2003, November 12, 2003 for the month ending October 31, 2003 and December 12,
2003 for the month ending November 30, 2003. (c) Exhibits to this report are listed in Item 15(a) above. 4




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SIGNATURES Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange
Act of 1934, the registrant has caused this report to be signed on its behalf
by the undersigned, thereunto duly authorized. Dated: March 30, 2004TRIAD AUTOMOBILE RECEIVABLES TRUST 2003-ABY:
    
    Triad Financial Corporation, as sponsor of the TrustBy:
    
    /s/ Mike L. WilhelmsName:
    
    Mike L. WilhelmsTitle:
    
    Chief Financial Officer
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EXHIBIT INDEX Exhibit No.
    
    Description99.1
    
    Independent Auditors Report dated March 8, 200499.2
    
    Annual Statement of Compliance by Servicer dated as of
December 31, 200399.3
    
    Certification of Disclosure
 6