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                                                                     EXHIBIT 4.4

                                                         FINANCIAL GUARANTY
                                                         INSURANCE POLICY

OBLIGOR: Triad Automobile Receivables Trust 2005-B    Policy No.: 51664-N
OBLIGATIONS: $905,303,000 Asset Backed Notes, Series  Date of Issuance: July 28,
2005-B As described in Endoresement No. hereto        2005

            FINANCIAL SECURITY ASSURANCE INC. ("Financial Security"), for
consideration received, hereby UNCONDITIONALLY AND IRREVOCABLY GUARANTEES to
each Holder, subject only to the terms of this Policy (which includes each
endorsement hereto), the full and complete payment by the Obligor of Scheduled
Payments of principal of, and interest on, the Obligations.

            For the further protection of each Holder, Financial Security
irrevocably and unconditionally guarantees:

            (a) payment of the amount of any distribution of principal of, or
      interest on, the Obligations made during the Term of this Policy to such
      Holder that is subsequently avoided in whole or in part as a preference
      payment under applicable law (such payment to be made by Financial
      Security in accordance with Endorsement No. 1 hereto).

            (b) payment of any amount required to be paid under this Policy by
      Financial Security following Financial Security's receipt of notice as
      described in Endorsement No. 1 hereto.

            Financial Security shall be subrogated to the rights of each Holder
to receive payments under the Obligations to the extent of any payment by
Financial Security hereunder.

            Except to the extent expressly modified by an endorsement hereto,
the following terms shall have the meanings specified for all purposes of this
Policy. "Holder" means the registered owner of any Obligation as indicated on
the registration books maintained by or on behalf of the Obligor for such
purpose or, if the Obligation is in bearer form, the holder of the Obligation.
"Scheduled Payments" means payments which are scheduled to be made during the
Term of this Policy in accordance with the original terms of the Obligations
when issued and without regard to any amendment or modification of such
Obligations thereafter; payments which become due on an accelerated basis as a
result of (a) a default by the Obligor, (b) an election by the Obligor to pay
principal on an accelerated basis or (c) any other cause, shall not constitute
"Scheduled Payments" unless Financial Security shall elect, in its sole
discretion, to pay such principal due upon such acceleration together with any
accrued interest to the date of acceleration. "Term of this Policy" shall have
the meaning set forth in Endorsement No. 1 hereto.

            This Policy sets forth in full the undertaking of Financial
Security, and shall not be modified, altered or affected by any other agreement
or instrument, including any modification or amendment thereto, or by the
merger, consolidation or dissolution of the Obligor. Except to the extent
expressly modified by an endorsement hereto, the premiums paid in respect of
this Policy are nonrefundable for any reason whatsoever, including payment, or
provision being made for payment, of the Obligations prior to maturity. This
Policy may not be cancelled or revoked during the Term of this Policy. THIS
POLICY IS NOT COVERED BY THE PROPERTY/CASUALTY INSURANCE SECURITY FUND SPECIFIED
IN ARTICLE 76 OF THE NEW YORK INSURANCE LAW.

            In witness whereof, FINANCIAL SECURITY ASSURANCE INC. has caused
this Policy to be executed on its behalf by its Authorized Officer.

                                            FINANCIAL SECURITY ASSURANCE INC.

                                            By /s/ M. Douglas Watson, Jr.
                                               -------------------------------
                                                    Authorized Officer

A subsidiary of Financial Security Assurance Holdings Ltd.
31 West 52nd Street, New York, N.Y. 10019                         (212) 826-0100
Form 100NY (5/89)

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                              ENDORSEMENT NO. 1 TO
                       FINANCIAL GUARANTY INSURANCE POLICY

FINANCIAL SECURITY                                           31 West 52nd Street
ASSURANCE INC.                                         New York, New York  10019

OBLIGOR:             Triad Automobile Receivables Trust 2005-B

OBLIGATIONS:         $196,000,000 Class A-1  3.604% Asset Backed Notes
                     $256,509,000 Class A-2  4.11% Asset Backed Notes
                     $315,719,000 Class A-3  4.28% Asset Backed Notes
                     $137,075,000 Class A-4  4.42% Asset Backed Notes

Policy No.:          51664-N

Date of Issuance:    July 28, 2005

      Definitions. For all purposes of this Policy, the terms specified below
shall have the meanings or constructions provided below. Capitalized terms used
herein and not otherwise defined herein shall have the meanings provided in the
Indenture or the Sale and Servicing Agreement unless otherwise specified.

            "Holder" shall have the meaning set forth in the Indenture;
provided, however that "Holder" shall not include the Obligor or any affiliates
or successors thereof in the event the Obligor, or any such affiliate or
successor, is a registered or beneficial owner of the Obligations.

            "Indenture" means the Indenture, dated as of July 28, 2005, between
the Obligor and the Indenture Trustee, as amended from time to time in
accordance with the terms thereof.

            "Indenture Trustee" means JPMorgan Chase Bank, N.A., in its capacity
as Indenture Trustee under the Indenture and any successor in such capacity.

            "Policy" means this Financial Guaranty Insurance Policy and includes
each endorsement.

            "Receipt" and "Received" mean actual delivery to Financial Security
and to the Fiscal Agent (as defined below), if any, prior to 12:00 noon, New
York City time, on a Business Day; delivery either on a day that is not a
Business Day, or after 12:00 noon, New York City time, shall be deemed to be
received on the next succeeding Business Day. If any notice or certificate given
hereunder by the Indenture Trustee is not in proper form or is not properly
completed, executed or delivered, it shall be deemed not to have been Received,
and Financial Security or its Fiscal Agent shall promptly so advise the
Indenture Trustee and the Indenture Trustee may submit an amended notice.

            "Sale and Servicing Agreement" means the Sale and Servicing
Agreement dated as of July 28, 2005, among the Obligor, Triad Financial Special
Purpose LLC, as

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Policy No.: 51664-N                              Date of Issuance: July 28, 2005

Depositor, Triad Financial Corporation, as Custodian and as Servicer, and
JPMorgan Chase Bank, N.A., as Backup Servicer and as Indenture Trustee, as such
agreement may be amended, supplemented or otherwise modified from time to time
in accordance with the terms thereof.

            "Scheduled Payments" means, as to each Distribution Date, payments
that are required to be made to Holders in accordance with the original terms of
the Obligations when issued and without regard to any amendment or modification
of the Obligations or of the Indenture except amendments or modifications to
which Financial Security has given its prior written consent, which payments are
(i) the Class A Noteholders' Interest Distributable Amount with respect to the
related Distribution Date, (ii) the Class A Noteholders' Parity Deficit Amount
with respect to the related Distribution Date and (iii) with respect to the
Final Scheduled Distribution Date for any class of Obligations, the outstanding
principal amount of such class on such Final Scheduled Distribution Date, after
taking into account reductions on such date of such outstanding principal amount
from all sources other than this Policy. Scheduled Payments do not include
payments that become due on an accelerated basis as a result of (a) a default by
the Obligor, (b) an election by the Obligor to pay principal on an accelerated
basis, (c) the occurrence of an Event of Default under the Indenture or (d) any
other cause, unless Financial Security elects, in its sole discretion, to pay in
whole or in part such principal due upon acceleration, together with any accrued
interest to the date of acceleration. In the event Financial Security does not
so elect, this Policy will continue to guarantee payment on the Obligations in
accordance with their original terms. Scheduled Payments shall not include (x)
any portion of a Class A Noteholders' Interest Distributable Amount due to
Holders because the appropriate notice and certificate for payment in proper
form as required by paragraph 2 hereof was not timely Received by Financial
Security or (y) any portion of a Class A Noteholders' Interest Distributable
Amount due to Holders representing interest on any Class A Noteholders' Interest
Carryover Amount accrued from and including the date of payment of the amount of
such Class A Noteholders' Interest Carryover Amount, unless in each case,
Financial Security elects, in its sole discretion, to pay such amount in whole
or in part, pursuant hereto. Scheduled Payments shall not include any amounts
due in respect of the Obligations attributable to any increase in interest rate,
penalty or other sum payable by the Obligor by reason of any Default or Event of
Default in respect of the Obligations, or by reason of any deterioration of the
creditworthiness of the Obligor, nor shall Scheduled Payments include, nor shall
coverage be provided under this Policy in respect of, any taxes, withholding or
other charge with respect to any Holder imposed by any governmental authority
due in connection with the payment of any Scheduled Payment to a Holder.

            "Term Of This Policy" means the period from and including the Date
of Issuance to and including the date on which (i) all Scheduled Payments have
been paid that are required to be paid by the Obligor within the meaning of
Section 4.1 of the Indenture; (ii) any period during which any Scheduled Payment
could have been avoided in whole or in part as a preference payment under
applicable bankruptcy, insolvency, receivership or similar law shall have
expired and (iii) if any proceedings requisite to avoidance as a

                                       3
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Policy No.: 51664-N                              Date of Issuance: July 28, 2005

preference payment have been commenced prior to the occurrence of (i) and (ii),
a final and nonappealable order in resolution of each such proceeding has been
entered.

      Notices and Conditions to Payment in Respect of Scheduled Payments.
Following Receipt by Financial Security of a notice and certificate from the
Indenture Trustee in the form attached as Exhibit A to this Endorsement,
Financial Security will pay any amount payable hereunder in respect of Scheduled
Payments on the Obligations out of the funds of Financial Security on the later
to occur of (a) 12:00 noon, New York City time, on the second Business Day
following such Receipt; and (b) 12:00 noon, New York City time, on the date on
which such payment is due on the Obligations. Payments due hereunder in respect
of Scheduled Payments will be disbursed to the Indenture Trustee by wire
transfer of immediately available funds.

            Financial Security shall be entitled to pay any amount hereunder in
respect of Scheduled Payments on the Obligations, including any amount due on
the Obligations on an accelerated basis, whether or not any notice and
certificate shall have been Received by Financial Security as provided above;
provided, however, that by acceptance of this Policy the Indenture Trustee
agrees to provide to Financial Security, upon Financial Security's request to
the Indenture Trustee, a notice and certificate in respect of any such payments
made by Financial Security. Financial Security shall be entitled to pay
hereunder any amount that becomes due on the Obligations on an accelerated basis
at any time or from time to time after such amount becomes due, in whole or in
part, prior to the scheduled date of payment thereof. Scheduled Payments insured
hereunder shall not include interest, in respect of principal paid hereunder on
an accelerated basis, accruing from and after the date of such payment of
principal. Financial Security's obligations hereunder in respect of Scheduled
Payments shall be discharged to the extent such amounts are paid by the Issuer
in accordance with the Sale and Servicing Agreement or disbursed by Financial
Security as provided herein whether or not such funds are properly applied by
the Indenture Trustee except as otherwise provided in paragraph 3 of this
Endorsement.

      Notices and Conditions to Payment in Respect of Scheduled Payments Avoided
as Preference Payments. If any Scheduled Payment is avoided as a preference
payment under applicable bankruptcy, insolvency, receivership or similar law,
Financial Security will pay such amount out of the funds of Financial Security
on the later of (a) the date when due to be paid pursuant to the Order referred
to below or (b) the first to occur of (i) the fourth Business Day following
Receipt by Financial Security from the Indenture Trustee of (A) a certified copy
of the order (the "Order") of the court or other governmental body that
exercised jurisdiction to the effect that the Holder is required to return
Scheduled Payments made with respect to the Obligations during the Term Of This
Policy because such payments were avoidable as preference payments under
applicable bankruptcy law, (B) a certificate of the Holder that the Order has
been entered and is not subject to any stay and (C) an assignment duly executed
and delivered by the Holder, in such form as is reasonably required by Financial
Security, and provided to the Holder by Financial Security, irrevocably
assigning to Financial Security all rights and claims of the Holder relating to
or arising under the Obligations against the estate of the Obligor or

                                       4
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Policy No.: 51664-N                              Date of Issuance: July 28, 2005

otherwise with respect to such preference payment or (ii) the date of Receipt by
Financial Security from the Indenture Trustee of the items referred to in
clauses (A), (B) and (C) above if, at least four Business Days prior to such
date of Receipt, Financial Security shall have Received written notice from the
Indenture Trustee that such items were to be delivered on such date and such
date was specified in such notice. Such payment shall be disbursed to the
receiver, conservator, debtor-in-possession or trustee in bankruptcy named in
the Order and not to the Indenture Trustee or any Holder directly (unless a
Holder has previously paid such amount to the receiver, conservator,
debtor-in-possession or trustee in bankruptcy named in the Order, in which case
such payment shall be disbursed to the Indenture Trustee for distribution to
such Holder upon proof of such payment reasonably satisfactory to Financial
Security). In connection with the foregoing, Financial Security shall have the
rights provided pursuant to Section 6.2 of the Sale and Servicing Agreement.

      Governing Law. This Policy shall be governed by and construed in
accordance with the laws of the State of New York without giving effect to the
conflict of laws principles thereof.

      Fiscal Agent. At any time during the Term Of This Policy, Financial
Security may appoint a fiscal agent (the "Fiscal Agent") for purposes of this
Policy by written notice to the Indenture Trustee at the notice address
specified in the Indenture specifying the name and notice address of the Fiscal
Agent. From and after the date of receipt of such notice by the Indenture
Trustee, (i) copies of all notices and documents required to be delivered to
Financial Security pursuant to this Policy shall be simultaneously delivered to
the Fiscal Agent and to Financial Security and shall not be deemed Received
until Received by both, and (ii) all payments required to be made by Financial
Security under this Policy may be made directly by Financial Security or by the
Fiscal Agent on behalf of Financial Security. The Fiscal Agent is the agent of
Financial Security only and the Fiscal Agent shall in no event be liable to any
Holder for any acts of the Fiscal Agent or any failure of Financial Security to
deposit, or cause to be deposited, sufficient funds to make payments due under
the Policy.

      Waiver of Defenses. To the fullest extent permitted by applicable law,
Financial Security agrees not to assert, and hereby waives, for the benefit of
each Holder, all rights (whether by counterclaim, setoff or otherwise) and
defenses (including, without limitation, the defense of fraud), whether acquired
by subrogation, assignment or otherwise, to the extent that such rights and
defenses may be available to Financial Security to avoid payment of its
obligations under this Policy in accordance with the express provisions of this
Policy. Nothing in this paragraph shall be construed to limit or otherwise
impair Financial Security's right to pursue recovery or claims (based on
contractual rights, securities law violations, fraud or other causes of action)
against any person or entity, or to require payment by Financial Security of any
amounts that have been previously paid or that are not otherwise due in
accordance with the express provisions of this Policy or the Obligations.
Nothing in this Policy shall be construed to require payment to the extent any
force majeure event or governmental act prevents Financial Security from
performing its obligations under this Policy or such performance

                                       5
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Policy No.: 51664-N                              Date of Issuance: July 28, 2005

is otherwise rendered impossible, in which event Financial Security agrees to
(i) use commercially reasonable efforts to perform its obligations under this
Policy notwithstanding such force majeure event, governmental act or
impossibility of performance and (ii) perform its obligations under this Policy
promptly following cessation of such force majeure event, governmental act or
impossibility of performance.

      Notices. All notices to be given hereunder shall be in writing (except as
otherwise specifically provided herein) and shall be mailed by registered mail
or personally delivered or telecopied to Financial Security as follows:

                  Financial Security Assurance Inc.
                  31 West 52nd Street
                  New York, New York 10019
                  Attention: Managing Director - Transaction Oversight
                  Re: Triad Automobile Receivables Trust 2005-B
                  Policy No.: 51664-N
                  Telecopy No.: (212) 339-3518
                  Confirmation: (212) 826-0100

            Financial Security may specify a different address or addresses by
writing mailed or delivered to the Indenture Trustee.

      Priorities. In the event that any term or provision of the face of this
Policy is inconsistent with the provisions of this Endorsement, the provisions
of this Endorsement shall take precedence and shall be binding.

      Exclusions From Insurance Guaranty Funds. This Policy is not covered by
the Property/Casualty Insurance Security Fund specified in Article 76 of the New
York Insurance Law. This Policy is not covered by the Florida Insurance Guaranty
Association created under Part II of Chapter 631 of the Florida Insurance Code.
In the event Financial Security were to become insolvent, any claims arising
under this Policy are excluded from coverage by the California Insurance
Guaranty Association, established pursuant to Article 14.2 of Chapter 1 of Part
2 of Division 1 of the California Insurance Code.

      Surrender of Policy. The Indenture Trustee shall surrender this Policy to
Financial Security for cancellation upon expiration of the Term Of This Policy.

            IN WITNESS WHEREOF, FINANCIAL SECURITY ASSURANCE INC. has caused
this Endorsement No. 1 to be executed by its Authorized Officer.

                                          FINANCIAL SECURITY ASSURANCE INC.

                                          By /s/ M. Douglas Watson, Jr.
                                             ----------------------------------
                                                            Authorized Officer

                                       6
<PAGE>

Policy No.: 51664-N                              Date of Issuance: July 28, 2005

                                                                       EXHIBIT A

                                                            To Endorsement No. 1

                         NOTICE OF CLAIM AND CERTIFICATE

                        (Letterhead of Indenture Trustee)

Financial Security Assurance Inc.
31 West 52nd Street
New York, New York 10019

      Re:   Triad Automobile Receivables Trust 2005-B

            The undersigned, a duly authorized officer of JPMorgan Chase Bank,
N.A. (the "Indenture Trustee"), hereby certifies to Financial Security Assurance
Inc. ("Financial Security"), with reference to Financial Guaranty Insurance
Policy No. 51664-N dated July 28, 2005, (the "Policy") issued by Financial
Security in respect of $196,000,000 Class A-1 3.604% Asset Backed Notes,
$256,509,000 Class A-2 4.11% Asset Backed Notes, $315,719,000 Class A-3 4.28%
Asset Backed Notes, $137,075,000 Class A-4 4.42% Asset Backed Notes of the
above-referenced Trust (the "Obligations"), that:

      (i)   The Indenture Trustee is the Indenture Trustee for the Holders under
the Indenture.

      (ii)  The sum of all amounts on deposit (or scheduled to be on deposit) in
the Note Distribution Account and available for distribution to the Holders
pursuant to the Section 5.8 of the Sale and Servicing Agreement will be
$_________ (the "Shortfall") less than the aggregate amount of Scheduled
Payments due on ______________________.

      (iii) The Indenture Trustee is making a claim under the Policy for the
Shortfall to be applied to the payment of Scheduled Payments.

      (iv)  The Indenture Trustee agrees that, following receipt of funds from
Financial Security, it shall (a) hold such amounts in trust and apply the same
directly to the payment of Scheduled Payments on the Obligations when due; (b)
not apply such funds for any other purpose; (c) not commingle such funds with
other funds held by the Indenture Trustee and (d) maintain an accurate record of
such payments with respect to each Obligation and the corresponding claim on the
Policy and proceeds thereof, and, if the Obligation is required to be
surrendered or presented for such payment, shall stamp on each such Obligation
the legend "$[insert applicable amount] paid by Financial Security and the
balance hereof has been cancelled and reissued" and then shall deliver such
Obligation to Financial Security.

      (v) The Indenture Trustee, on behalf of the Holders, hereby assigns to
Financial Security the rights of the Holders with respect to the Obligations to
the extent of any payments under the Policy. Without limitation of the
foregoing, the Indenture Trustee, on behalf of the Holders, hereby assigns to
Financial Security any amounts due to the Holders in respect of securities law
violations arising from the offer and sale of the Obligations. The foregoing
assignment is in addition to, and not in limitation of, rights of

                                      A-1
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Policy No.: 51664-N                              Date of Issuance: July 28, 2005

subrogation otherwise available to Financial Security in respect of such
payments. Payments to Financial Security in respect of the foregoing assignment
shall in all cases be subject to and subordinate to the rights of the Holders to
receive all Scheduled Payments in respect of the Obligations. The Indenture
Trustee shall take such action and deliver such instruments as may be reasonably
requested or required by Financial Security to effectuate the purpose or
provisions of this clause (v).

      (vi)  The Indenture Trustee, on behalf of the Holders, hereby appoints
Financial Security as agent and attorney-in-fact for the Indenture Trustee and
each such Holder in any legal proceeding with respect to the Obligations. The
Indenture Trustee hereby agrees that, so long as an Insurer Default (as defined
in the Indenture) shall not exist, Financial Security may at any time during the
continuation of any proceeding by or against the Obligor under the United States
Bankruptcy Code or any other applicable bankruptcy, insolvency, receivership,
rehabilitation or similar law (an "Insolvency Proceeding") direct all matters
relating to such Insolvency Proceeding, including without limitation, (A) all
matters relating to any claim in connection with an Insolvency Proceeding
seeking the avoidance as a preferential transfer of any payment made with
respect to the Obligations (a "Preference Claim"), (B) the direction of any
appeal of any order relating to any Preference Claim at the expense of Financial
Security but subject to reimbursement as provided in the Insurance Agreement and
(C) the posting of any surety, supersedeas or performance bond pending any such
appeal. In addition, the Indenture Trustee hereby agrees that Financial Security
shall be subrogated to, and the Indenture Trustee on its behalf and on behalf of
each Holder, hereby delegates and assigns, to the fullest extent permitted by
law, the rights of the Indenture Trustee and each Holder in the conduct of any
Insolvency Proceeding, including, without limitation, all rights of any party to
an adversary proceeding or action with respect to any court order issued in
connection with any such Insolvency Proceeding.

      (vii) Payment should be made by wire transfer directed to [SPECIFY
ACCOUNT].

      Unless the context otherwise requires, capitalized terms used in this
Notice of Claim and Certificate and not defined herein shall have the meanings
provided in the Policy.

                                      A-2
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Policy No.: 51664-N                              Date of Issuance: July 28, 2005

      IN WITNESS WHEREOF, the Indenture Trustee has executed and delivered this
Notice of Claim and Certificate as of the __th day of __________, 20__.

                                          JPMORGAN CHASE BANK, N.A.
                                          as Indenture Trustee

                                          By __________________________________
                                          Title _______________________________

For Financial Security or Fiscal Agent Use Only

Wire transfer sent on ____________ By ___________________________
Confirmation Number  _____________________

                                      A-3