| **UNITED STATES SECURITIES AND EXCHANGE COMMISSION**

Washington, D.C.                                                                                                                                                                                                                                                                                          |
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| **FORM 10-Q**                                                                                                                                                                                                                                                                                                                                                   |
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| [ X ]  QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE                                                                                                                                                                                                                                                                                                  |
| SECURITIES EXCHANGE ACT OF 1934                                                                                                                                                                                                                                                                                                                                 |
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| For the quarterly period ended July 31, 2005                                                                                                                                                                                                                                                                                                                    |
| OR                                                                                                                                                                                                                                                                                                                                                              |
| [   ]  TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE                                                                                                                                                                                                                                                                                                 |
| SECURITIES EXCHANGE ACT OF 1934                                                                                                                                                                                                                                                                                                                                 |
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| For the transition period from                                                                                                                                                                                                                                                                                                                                  |   | To |   |
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| Commission file number 1-4146-1                                                                                                                                                                                                                                                                                                                                 |
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| **NAVISTAR FINANCIAL CORPORATION**                                                                                                                                                                                                                                                                                                                              |
| (Exact name of registrant as specified in its charter)                                                                                                                                                                                                                                                                                                          |
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|                                                                                                                                                                                                                                                                                                                                                            | **Delaware** |   | **36-3359573** |   |
|                                                                                                                                                                                                                                                                                                                                                            | (State or other jurisdiction of incorporation or organization) |   | (I.R.S. Employer Identification No.) |   |
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|                                                                                                                                                                                                                                                                                                                                                            | **425 N. Martingale Road, Schaumburg, IL 60173** |   |
|                                                                                                                                                                                                                                                                                                                                                            | (Address of principal executive offices, Zip Code) |   |
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| Registrant’s telephone number, including area code (630) 753-4000                                                                                                                                                                                                                                                                                          |
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| 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 and (2) has been subject to such filing requirements for the past 90 days. Yes[ X ]             No [   ] |
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| Indicate by check mark whether the registrant is an accelerated filer (as defined in Rule 12b-2 of the Act).

Yes[   ]   No [ X ]                                                                                                                                                                                                                |
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| Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes[   ]   No [ X ]                                                                                                                                                                                                            |
| APPLICABLE ONLY TO ISSUERS INVOLVED

IN BANKRUPTCY PROCEEDINGS DURING

THE PRECEDING FIVE YEARS:                                                                                                                                                                                                                                                                |
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| Indicate by check mark whether the registrant has filed all documents and reports required to be filed by Sections 12, 13 or 15 (d) of the Securities Exchange Act of 1934 subsequent to the distribution of securities under a plan confirmed by a court. Yes [   ]           No[   ]                        |
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| **APPLICABLE ONLY TO CORPORATE ISSUERS:**                                                                                                                                                                                                                                                                                                                       |
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| As of August  31, 2005, the number of shares outstanding of the registrant's common stock was 1,600,000.                                                                                                                                                                                                                                                        |
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| THE REGISTRANT IS A WHOLLY-OWNED SUBSIDIARY OF INTERNATIONAL TRUCK AND ENGINE CORPORATION, WHICH IS A WHOLLY-OWNED SUBSIDIARY OF NAVISTAR INTERNATIONAL CORPORATION, AND MEETS THE CONDITIONS SET FORTH IN GENERAL INSTRUCTION H (1) (a) AND (b) OF FORM 10-Q AND IS THEREFORE FILING THIS FORM WITH THE REDUCED DISCLOSURE FORMAT.                             |
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