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                                   FORM 10-K

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

[X]    ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE
       ACT OF 1934.

For the year ended December 31, 1999.

                                       OR

[ ]    TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES
       EXCHANGE ACT OF 1934.

For the transition period from ________________ to ______________________.

             AMERICREDIT AUTOMOBILE RECEIVABLES TRUST 1999-A, ISSUER
          AMERICREDIT FINANCIAL SERVICES, INC., AS SPONSOR OF THE TRUST
                          AFS FUNDING CORP., AS SELLER
          (Exact name of Registrants as specified in their characters)

                          801 Cherry Street, Suite 3900
                             Fort Worth, Texas 76102
                                 (817) 302-7000
          (Address and Telephone Number of Principal Executive Office)

Securities Registered Pursuant to Section 12 (b) of the Securities Exchange
Act of 1934: None

Securities Registered Pursuant to Section 12 (g) of the Securities Exchange Act
of 1934: None

Indicate by check mark whether the Registrants (1) have 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) have been subject to such
filing requirements for the past 90 days.

Yes   X          No
   -------         -------

Indicate by check mark if the 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 Registrants' 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]

The aggregate market value of the voting stock held by non-affiliates of the
Registrants. None

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As of April 24, 2000, there were 1,000 shares of AmeriCredit Financial Services,
Inc. Common Stock outstanding and 1,000 shares of AFS Funding Corp. Common Stock
outstanding.

The Registrants meet the conditions set forth in General Instruction (I) (1) (a)
and (b) of Form 10-K and is therefore filing this Form 10-K with the reduced
disclosure format permitted thereunder.

                                     PART I

ITEM 1.  BUSINESS

         AFS Funding Corp. is a wholly-owned bankruptcy-remote subsidiary of
         AmeriCredit Financial Services, Inc. AmeriCredit Automobile
         Receivables Trust 1999-A is a bankruptcy-remote Delaware Business
         Trust. The Trust was formed solely for the purpose of acquiring from
         AFS Funding Corp. certain motor vehicle retail installment sales
         contracts (the "Contracts") and interests in the automobile underlying
         the contracts and securitizing the contracts through the issuance of
         debt securities (the "Notes"). As bankruptcy-remote entities, AFS
         Funding Corp. and the Trust are restricted so that (a) they do not
         engage in business with, or incur liabilities to, any other entity
         (other than the Trustee on behalf of the holders of the Notes) which
         may bring bankruptcy proceedings against AFS Funding Corp. or the Trust
         and (b) the risk that they will be consolidated into the bankruptcy
         proceedings of any other entity is diminished. AFS Funding Corp. and
         the Trust have no other assets other than the Contracts and an interest
         in the automobiles underlying the Contracts and proceeds thereof.

ITEM 2.  PROPERTIES

         None.

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 AND RELATED STOCKHOLDER MATTERS

         The sole holder of AmeriCredit Financial Services, Inc.'s equity shares
         is AmeriCredit Corp. and the sole holder of AFS Funding Corp.'s equity
         shares is AmeriCredit Financial

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         Services, Inc. There is currently no market for the equity shares of
         AmeriCredit Financial Services, Inc. or AFS Funding Corp. nor is it
         anticipated that such a market will develop.

ITEM 6.  SELECTED FINANCIAL DATA

         Not Applicable.

ITEM 7.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
         OF OPERATIONS

         Not Applicable.

ITEM 8.  FINANCIAL STATEMENTS AND SUPPLEMENTAL DATA

         Not Applicable.

ITEM 9.  CHANGE IN AND DISAGREEMENTS ON ACCOUNTING AND FINANCIAL DISCLOSURE

         None.

ITEM 10. DIRECTORS AND OFFICERS OF THE REGISTRANT

         Not Applicable.

ITEM 11. EXECUTIVE COMPENSATION

         Not Applicable.

ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

         Not Applicable.

ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

         Not Applicable.

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                                     PART IV

ITEM 14. EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND REPORTS ON FORM 8-K

         The exhibits filed in response to Item 601 of Regulation S-K are
         listed in the Index to Exhibits.

                                   SIGNATURES

         Pursuant to the requirements of Section 13 or 15 (d) of the Securities
Exchange Act of 1934, AFS Funding Corp. has duly caused this report to be signed
on its behalf by the undersigned, thereunto duly authorized.

                  AFS FUNDING CORP.

                  By:      /s/ Preston A. Miller
                           ----------------------------
                           Name:    Preston A. Miller
                           Title:   Executive Vice President and Treasurer

                           Dated:   April 27, 2000

                                   SIGNATURES

         Pursuant to the requirements of Section 13 or 15 (d) of the Securities
Exchange Act of 1934, AmeriCredit Financial Services, Inc. has duly caused this
report to be signed on its behalf by the undersigned, thereunto duly authorized.

                  AMERICREDIT FINANCIAL SERVICES, INC.

                  By:      /s/ Preston A. Miller
                           ----------------------------
                           Name:    Preston A. Miller
                           Title:   Executive Vice President and Treasurer

                           Dated:   April 28, 2000

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                                   SIGNATURES

         Pursuant to the requirements of Section 13 or 15 (d) of the Securities
Exchange Act of 1934, AmeriCredit Automobile Receivables Trusts 1999-A. has duly
caused this report to be signed on its behalf by the undersigned, thereunto duly
authorized.

                  AMERICREDIT AUTOMOBILE RECEIVABLES TRUST 1999-A

                  By:      AMERICREDIT FINANCIAL SERVICES, INC.,
                           as sponsor and as servicer

                  By:      /s/ Preston A. Miller
                           ---------------------------
                           Name:    Preston A. Miller
                           Title:   Executive Vice President and Treasurer

                           Dated:   April 28, 2000

                                  EXHIBIT INDEX

99.1     Servicer's Report for monthly period ended February 28, 1999,
         incorporated by reference to the Form 8-K filed with the Securities and
         Exchange Commission ("SEC") on March 15, 1999.

99.2     Servicer's Report for monthly period ended March 31, 1998, incorporated
         by reference to the Form 8-K filed with the SEC on April 14, 1999.

99.3     Servicer's Report for monthly period ended April 30, 1999, incorporated
         by reference to the Form 8-K filed with the SEC on May 14, 1999.

99.4     Servicer's Report for monthly period ended May 31, 1999, incorporated
         by reference to the Form 8-K filed with the SEC on June 16, 1999.

99.5     Servicer's Report for monthly period ended June 30, 1999, incorporated
         by reference to the Form 8-K filed with the SEC on July 14, 1999.

99.6     Servicer's Report for monthly period ended July 31, 1999, incorporated
         by reference to the Form 8-K filed with the SEC on August 16, 1999.

99.7     Servicer's Report for monthly period ended August 31, 1999,
         incorporated by reference to the Form 8-K filed with the SEC on
         September 14, 1999.

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99.8     Servicer's Report for monthly period ended September 30, 1999,
         incorporated by reference to the Form 8-K filed with the SEC on October
         15, 1999.

99.9     Servicer's Report for monthly period ended October 31, 1999,
         incorporated by reference to the Form 8-K filed with the SEC on
         November 10, 1999.

99.10    Servicer's Report for monthly period ended November 30, 1999,
         incorporated by reference to the Form 8-K filed with the SEC on
         December 13, 1999.

99.11    Servicer's Report for monthly period ended December 31, 1999,
         incorporated by reference to the Form 8-K filed with the SEC on January
         12, 1999.

99.12    Servicer's Report for monthly period ended January 31, 2000.

99.13    Servicer's Report for monthly period ended February 29, 2000.

99.14    Servicer's Report for monthly period ended March 31, 2000