SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 10-K

(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, 2002

                                       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 Nos. 333-84129-06

                        HOUSEHOLD AUTOMOTIVE TRUST 2001-3
                        ---------------------------------
              (Exact name of Registrant as specified in Department
              Of the Treasury, Internal Revenue Service Form SS-4)

                          HOUSEHOLD FINANCE CORPORATION
                          -----------------------------
                             (Servicer of the Trust)
                 (Exact name as specified in Servicer's charter)

           DELAWARE                                      Not Applicable
           --------                                      --------------
(State or other jurisdiction of                  (I.R.S. Employer Identification
   incorporation of Servicer)                         Number of Registrant)

2700 SANDERS ROAD, PROSPECT HEIGHTS, ILLINOIS                60070
------------------------------------------------------------------
(Address of principal executive offices of Servicer)      (Zip Code)

Servicer's telephone number, including area code (847) 564-5000
                                                 --------------

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 [ ]

Registrant has no voting or non-voting class of common equity outstanding as of
the date of this report.
<PAGE>

                                INTRODUCTORY NOTE
                                -----------------

Household Auto Receivables Corporation (the "Seller") is the seller under the
Master Sale and Servicing Agreement (the "Agreement") dated as of October 9,
2001, by and among Household Automotive Trust 2001-3 as Issuer, Household Auto
Receivables Corporation, as Seller, Household Finance Corporation, as Master
Servicer (the "Master Servicer") and Wells Fargo Bank Minnesota, National
Association, as indenture trustee (the "Indenture Trustee"), with respect to the
Series 2001-3 Notes (the "Notes").

The Notes consist of four classes of notes. As of December 31, 2002, the
outstanding principal balance of the Series 2001-3 Notes was approximately
$517,224,005 and the receivables held by the Issuer had an aggregate outstanding
principal balance of approximately $780,437,760. A reserve account held for the
benefit of the Noteholders had a balance of approximately $23,597,122. On August
19, 2002, the Class A-1 Notes were paid in full and on March 17, 2003, the Class
A-2 Notes were paid in full. The Master Servicer has prepared this Form 10-K on
behalf of the Registrant in reliance upon various no-action letters issued by
the Securities and Exchange Commission (the "Commission") to other trusts which
are substantially similar to the Trust. Items designated herein as "Not
Applicable" have been omitted as a result of this reliance.


                                     PART I

Item 1.  Business.
         --------

Not Applicable.

Item 2.  Properties.
         ----------

Not Applicable.

Item 3.  Legal Proceedings.
         -----------------

The Master Servicer is not aware of any material pending legal proceedings
involving either the Registrant, the Trustee, the Seller or the Master Servicer
with respect to the Certificates or the Registrant's property.

Item 4.  Submission of Matters to a Vote of Security Holders.
         ---------------------------------------------------

No vote or consent of the holders of the Noteholders (the "Noteholders") was
solicited for any purpose during the year ended December 31, 2002.


                                     PART II

Item 5.  Market for Registrant's Common Equity and Related Stockholder Matters.
         ---------------------------------------------------------------------

To the best knowledge of the Master Servicer, there is no established public
trading market for the Notes. At March 25, 2003, there were less than 300
holders of record of each class of Notes.
<PAGE>

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 Supplementary Data.
         -------------------------------------------

Not Applicable.

Item 9.  Changes in and Disagreements with Accountants on Accounting and
         ---------------------------------------------------------------
         Financial Disclosure.
         --------------------

None.


                                    PART III

Item 10. Directors and Executive Officers of the Registrant.
         --------------------------------------------------

Not Applicable.

Item 11. Executive Compensation.
         ----------------------

Not Applicable.

Item 12. Security Ownership of Certain Beneficial Owners and Management.
         --------------------------------------------------------------

The following table sets forth (i) the name and address of each entity which
holds of record more than 5% of the outstanding principal amount of the Class
A-3 and Class A-4 Notes, (ii) the principal amount of Notes owned by each, and
(iii) the percent that the principal amount of Notes owned represents of the
outstanding principal amount. The information set forth in the table is based
upon information obtained by the Master Servicer from the Trustee and from The
Depository Trust Company as of March 25, 2003. The Master Servicer is not aware
of any Schedules 13D or 13G filed with the Securities and Exchange Commission in
respect of the Notes.
<PAGE>

                                                        Amount Owned
                                                        ------------
                                                   All dollar amounts are
                                                   ----------------------
                                                        in thousands
                                                        ------------

Name and Address                            Principal                  Percent
----------------                            ---------                  -------

Class A-3 Noteholders
---------------------

Boston Safe Deposit and Trust Company       $ 66,420                    22.90%
Mellon Trust
525 William Penn Place, Suite 3148
Pittsburgh, PA 15259

The Bank of New York                        $ 51,125                    17.63%
One Wall Street
New York, NY 10286

State Street Bank and Trust Company         $ 32,275                    11.13%
Global Corporate Action Unit JAB 5NW
1776 Heritage Drive
No. Quincy, MA 02171

JP Morgan Chase Bank/Fiduciary Trust        $ 27,580                     9.51%
Company
International
Proxy/Class Action/Bankruptcy
14201 Dallas Pkwy
Dallas, TX 75264

SSB -- Bank Portfolio                       $ 27,000                     9.31%
1776 Heritage Drive
Global Corporate Action Unit JAP 5NW
No. Quincy, MA 02171

UBS Warburg/CMO                             $ 25,000                     8.62%
1000 Harbor Blvd.
8th Floor
Weekhawken, NJ 07087
<PAGE>

                                                        Amount Owned
                                                        ------------
                                                   All dollar amounts are
                                                   ----------------------
                                                        in thousands
                                                        ------------

Name and Address                            Principal                  Percent
----------------                            ---------                  -------

Class A-4 Noteholders
---------------------

JP Morgan Chase Bank                        $ 98,485                    53.82%
Proxy/Class Actions/Bankruptcy
Dallas, TX 75254

Deutsche Bank Trust Company Americas        $ 30,295                    16.55%
648 Grassmere Park Road
Nashville, TN 37211

State Street Bank and Trust Company         $ 12,315                     6.73%
Global Corporate Action Unit JAB 5NW
1776 Heritage Drive
No. Quincy, MA 02171

Boston Safe Deposit and Trust Company       $ 11,375                     6.22%
Mellon Trust
Pittsburgh, PA 15259

SSB -- Bank Portfolio                       $ 10,095                     5.52%
1776 Heritage Drive
Global Corporate Action Unit JAP 5NW
No. Quincy, MA 02171
<PAGE>

Item 13. Certain Relationships and Related Transactions.
         ----------------------------------------------

None or Not Applicable.

Item 14. Controls and Procedures.
         -----------------------


                                     PART IV

Item 15. Exhibits, Financial Statement Schedules, and Reports on Form 8-K.
         ----------------------------------------------------------------

(a)      List the following documents filed as a part of the report:

(1)      Financial Statements

Not Applicable.

(2)      Financial Statement Schedules

Not Applicable.

(3)      The Master Servicer is obligated to prepare an Annual Statement to
Noteholders for the year ended December 31, 2002, and Independent Public
Accountants are required to prepare an annual servicing report pertaining to the
compliance of the Master Servicer with its servicing obligations pursuant to the
Agreement. Copies of said documents are filed as exhibits to this Form 10-K.

(b)      The Registrant filed the following current reports on Form 8-K for the
fourth quarter of 2002:


                   Date of Reports                     Items Covered
                   ---------------                     -------------

                  October 17, 2002          Item 7. Statement to Noteholders
                  November 18, 2002         with respect to distribution made on
                                            October 17, 2002 and November 18,
                                            2002.


(c)

Exhibit 99(a)     Copy of Annual Statement to Noteholders for the year ended
                  December 31, 2002.

Exhibit 99(b)     Copy of Independent Accountants' Report dated February 28,
                  2003.

Exhibit 99(c)     Annual Servicer's Certificate dated March 31, 2003.

(d)      Not Applicable.
<PAGE>

                                   SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange
Act of 1934, the Master Servicer has duly caused this report to be signed on
behalf of the Household Automotive Trust 2001-3 by the undersigned, thereunto
duly authorized.

                         HOUSEHOLD FINANCE CORPORATION,
                         as Servicer of and on behalf of the
                         HOUSEHOLD AUTOMOTIVE TRUST 2001-3
                         ---------------------------------
                         (Registrant)

                           By: /s/ STEVEN H. SMITH
                               -------------------
                               Steven H. Smith
                               Assistant Treasurer

Dated: March 31, 2003
<PAGE>

                                  Certification

I, Steven H. Smith, certify that:

          1.   I have reviewed this annual report on Form 10-K, and all reports
               on Form 8-K containing distribution or servicing reports filed in
               respect of periods included in the year covered by this annual
               report, of Household Automotive Trust, 2001-3;

          2.   Based on my knowledge, the information in these reports, taken as
               a whole, does not contain any untrue statement of a material fact
               or omit to state a material fact necessary to make the statements
               made, in light of the circumstances under which such statements
               were made, not misleading as of the last day of the period
               covered by this annual report;

          3.   Based on my knowledge, the distribution or servicing information
               required to be provided to the trustee by the servicer under the
               pooling and servicing, or similar, agreement for inclusion in
               these reports is included in these reports;

          4.   I am responsible for reviewing the activities performed by the
               servicer under the pooling and servicing, or similar, agreement
               and based upon my knowledge and the annual compliance review
               required under that agreement, and except as disclosed in the
               reports, the servicer has fulfilled its obligations under that
               agreement; and

          5.   The reports disclose all significant deficiencies relating to the
               servicer's compliance with the minimum servicing standards based
               upon the report provided by an independent public accountant,
               after conducting a review in compliance with the Uniform Single
               Attestation Program for Mortgage Bankers or similar procedure, as
               set forth in the pooling and servicing, or similar, agreement,
               that is included in these reports.

In giving the certifications above, I have reasonably relied on information
provided to me by the following unaffiliated parties: Wells Fargo Bank Minnesota
National Association and The Depository Trust Company.



Date: March 31, 2003


/s/ STEVEN H. SMITH
-------------------
Steven H. Smith
Assistant Treasurer
<PAGE>

                                  Exhibit Index
                                  -------------

Exhibit No.
-----------

99(a)             Copy of Annual Statement to Noteholders for the year ended
                  December 31, 2002.

99(b)             Copy of Independent Accountants' Report dated February 28,
                  2003.

99(c)             Annual Servicer's Certificate dated March 31, 2003.