              UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                             Washington, D. C. 20549


                                    FORM 8-K


                                 CURRENT REPORT
                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934



         Date of Report (Date of earliest event reported) DecemberJanuary 1518, 20042005


                     NAVISTAR FINANCIAL 2004-A OWNER TRUST
             (Exact name of Registrant as specified in its charter)


                                    Delaware
                 (State or other jurisdiction of incorporation)



              333-67112-01                           37-6401679
      (Commission File Number)            (I.R.S. Employer Identification No.)




 2850 West Golf Road Rolling Meadows, Illinois             60008
   (Address of principal executive offices)             (Zip Code)



         Registrant's telephone number including area code 847-734-4000


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                    INFORMATION TO BE INCLUDED IN THE REPORT


Item 8.01.  Other Events.


            On DecemberJanaury 1518, 20042005, the Registrant made available the
            Monthly Servicer Certificate for the Period of NovemberDecember 2004
            for the NAVISTAR FINANCIAL 2004-A OWNER TRUST,  which  is
            attached as Exhibit 20 hereto.


Item 9.01   Financial Statements and Exhibits.


         (c)      See attached Exhibit 20.


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                                   SIGNATURE


Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.


                      NAVISTAR FINANCIAL 2004-A OWNER TRUST
             (Exact name of Registrant as specified in its charter)



Date:  DecemberJanuary 2227, 2004                                     By:/s/ PAUL E. MARTIN
-----------------------                          --------------------------
                                                 Paul E. Martin
                                                 Vice President & Controller


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                                  EXHIBIT INDEX

Exhibit No.    Description

   20          Navistar Financial 2004-A Owner Trust
               Monthly Servicer Certificate #910, dated DecemberJanuary 1518, 20042005


================================================================================


                                   EXHIBIT 20

                                        Navistar Financial 2004 - A Owner Trust
                                                For the Month of NovemberDecember 2004
                                        Distribution Date of DecemberJanuary 1518, 20042005
                                                      Servicer Certificate  #910

Original Pool Amount                                                                                       $398,284,237.80
Subsequent Receivables (transferred 04/29/04)                                     $201,715,759.98
Subsequent Receivables (transferred 00/00/00)                                                         $0.00
Subsequent Receivables (transferred 00/00/00)                                                         $0.00
Beginning Pool Balance                                                                                   $465448,014446,354796.6031
Beginning Pool Factor                                                                                                 0.77502397474113

Principal and Interest Collections:
     Principal Collected (Incl. Servicer Advance Repay)                   $16,526503,156193.9900
     Interest Collected                                                                                     $2,679601,039195.7884
     Mandatory Prepayments                                                                                               $0.00
Additional Deposits:

     Repurchase Amounts                                                                                                     $0.00

     Liquidation Proceeds / Recoveries                                                                 $230,9540.3300
Total Additional Deposits                                                                                           $230,9540.3300

Repos / Chargeoffs                                                                                                    $41394,401058.3076
Aggregate Number of Notes Charged Off                                           43                                    50

Total Available Funds                                                                                       $1918,436230,151914.1098

Ending Pool Balance                                                                                         $448432,446423,796018.3141
Ending Pool Factor                                                                                                       0.74741137207050

Servicing Fee                                                                                                             $387373,511705.9666
memo:  Servicer will allocate $1,500.00 of Servicing
       Fee as Administration Fee

Repayment of Servicer Advances                                               
Note / Certificate Pool Factor                                  $0873,473.0086
-----------------------------------------------------------------------------------
Memo Item - Reserve Account:
     Prior(Ending Month Balance                                            /Original Pool Amount)                        $1514,112574,966520.5288
     Prior Month Balance
     Transfer Base                                                                                                               $0.00
     Invest. Income                                                                                                   $2225,191032.4056
     Excess Serv.                                                                                                 $1,688062,900362.5934
     Transfer (to)                                                                                                               $0.00
                                                                                                                             -----------------
     Collections Acct
     Beginning Balance                                                                                     $1615,824661,058915.5178
-----------------------------------------------------------------------------------
Reserve Account:
     Beginning Balance  (see Memo Item)                                                   $1615,824661,058915.5178
     Target Percentage                                                                                                       3.25%
     Target Balance                                                                                           $14,574053,520748.8810
     Specified Yield Supplement Amount                                                                       $0.00
     Specified Yield Supplement Amount                                                                       $0.00
     Specified Reserve Account Balance                                                     $14,574053,520748.8810
     Minimum Balance                                                                                         $11,999,999.96
     (Release) / Deposit                                                                               ($21,249608,537167.6368)
     Ending Balance                                                                                         $14,574053,520748.8810
-----------------------------------------------------------------------------------
Current Weighted Average APR:                                                                                       6.907883%
-----------------------------------------------------------------------------------
-----------------------------------------------------------------------------------
Current Weighted Average Remaining Term (months):                            42                     41.6296
----------------------------------------------------------------------------
Delinquencies                                                       Dollars                 Notes
                                                           -------
Delinquencies                                                              Dollars     Notes
                                                                  ----------    -------  -----------
     Installments:                                                    1 - 30 days      2                 1,571872,518887.82     214                 1,390959
                                                                                        31 - 60 days       517                  439,886288.45       47877                   461
                                                                                        60+  days          130                     121,246056.42        7496                    72

     Total:                                                           3                                                    2,219433,651232.69     287                 1,418983

     Balances:                                                            60+  days                           1,614820,034688.39        7485                    72


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Navistar Financial 2004 - A Owner Trust
For the Month of NovemberDecember 2004
                                                                           NOTES                          
                                                                        Notes
                                                                                                           CLASS B               CLASS C
                                                         TOTAL               CLASS A - 1     CLASS A - 2     CLASS A - 3     CLASS A - 4               NOTES                   NOTES
Original Pool Amount   $600,000,000.00 $108,000,000.00 $175,000,000.00 $154,000,000.00 $127,000,000.00 $21,000,000.00 $15,000,000.00
Distributions:
               Distribution PercentagesPercentage  1                               0.00%          94.00%           0.00%                       0.00%                 3.50%                     2.50%
               Coupon                                                                    1.0800%         1.4500%         2.0100%                   2.5900%            2.460046000%                 3.2000%

Beginning Pool Bal     Balance $465448,014446,354796.6031
Ending Pool Balance    $448432,446423,796018.3141

Collected Principal     $1615,526629,156719.9914
Collected Interest       $2,679601,039195.7884
Charge - Offs                             $41394,401058.3076
Liquidation Proceeds/
             /Recoveries                          $230,9540.3300

Servicing &
             Administration Fee     $387373,511705.9666
Investment Earnings from
     Pre-Funding Acct.           $0.00
Cash Transfer from Negative
     Negative Carry Acct.                         $0.00
Cash Transfer from
     Pre-Funding Acct.           $0.00
Cash Transfer from
      Reserve Acct.                 $0.00
TotalTtl Collections
      Avail for 
     Debt Svc Services      $1917,048857,639209.1432

Beginning Balance      $465448,014446,354796.6031           $0.00 $149134,633059,493988.3253 $154,000,000.00 $127,000,000.00 $2019,055475,427496.5473 $1413,325911,433311.7405

Interest Due 2             $792771,180069.2608           $0.00     $180161,807989.1415     $257,950.00     $274,108.33     $4139,113924.6377     $3837,201096.1683
Interest Paid              $792771,180069.2608           $0.00     $180161,807989.1415     $257,950.00     $274,108.33     $4139,113924.6377     $3837,201096.1683
Principal Due           $16,567023,558777.2990           $0.00  $15,573062,504351.7923           $0.00           $0.00    $579560,930896.8132    $414400,122530.6935
Mandatory Prepayments
         Class A-1 only                             $0.00           $0.00
Principal Paid          $16,567023,558777.2990           $0.00  $15,573062,504351.7923           $0.00           $0.00    $579560,930896.8132    $414400,122530.6935


Ending Balance         $448432,446423,796018.3141           $0.00 $134118,059997,988637.5330 $154,000,000.00 $127,000,000.00 $1918,475914,496600.7341 $13,911510,311780.0570
Note/Certificate Pool Factor
      (Ending Balance/ Original Pool Amt)               0.0000000       0.76605716799865       1.0000000       1.0000000      0.92740469006953      0.92742079007187
Total Distributions     $1716,359794,738846.5598           $0.00  $15,754224,311340.9338     $257,950.00     $274,108.33    $621600,044821.4409    $452437,323627.8518

Interest Shortfall               $0.00           $0.00           $0.00           $0.00           $0.00          $0.00          $0.00
Principal Shortfall              $0.00           $0.00           $0.00           $0.00           $0.00          $0.00          $0.00
                Total Shortfall                    $0.00           $0.00           $0.00           $0.00           $0.00          $0.00          $0.00

Excess Servicing
   (see Memo Item -
               Reserve Acct Bal  )    $1,688062,900362.5934

   Beginning
       Reserve Reserve
        Acct Bal         $1615,824661,058915.5178
        (Release)/Draw            ($21,249608,537167.6368)
         Ending Reserve
        Acct Balance    Bal        $14,574053,520748.8810

1) (a) 100% to the Class A-1 Notes until the Class A-1 Notes are paid in full.  (b) 94.00% of any amount remaining after the
application of funds in clause (a) to the remaining Class A Notes sequentially until the Class A Notes are paid in full.
  (c) 58.34% 
of any amount remaining after the application of funds in clauses (a) and  (b) to the Class B Notes until the Class B
 Notes are paid 
in full.  (d) Any amount remaining after the application of funds in clauses (a), (b) and (c) to the Class C Notes
 until the Class C 
Notes are paid in full.
2) Class A-1  Interest based on Actual Number of Days.  Interest on other classes based on a 30 day month.  Interest  for first
settlement based off 14 days, from 04/01/04 to, but excluding, 4/15/04.

(* x represents previously paid interest to other classes.)
(* y represents previously paid interest and principal on other classes.)
---------------------------------------------------------------------
Memo Item - Advances:
          Servicer Advances - Current Month               ($558873,045473.9386)
          Total Outstanding Servicer Advances        $2,879006,952479.8802
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Navistar Financial 2004 - A Owner Trust
For the Month of NovemberDecember 2004


Trigger Events:
A) Loss Trigger
B) Delinquency Trigger
C) Noteholders Percent Trigger
                                                                                        5                  4                               3               2                           1                               0
                                           Jun-04                                                  Jul-04                       Aug-04                     Sep-04                   Oct-04                   Nov-04           Dec-04

Remaining Gross Balance                   $615,722,726.89    $595,899,686.46      $577,635,660.10 $557,265,640.37   $539,362,919.14 $518,482,228.02 $499,540,697.86

A) Loss Trigger:
Principal of Contracts Charged Off     $322,638.42        $261,257.55              $117,152.19     $341,089.51          $161,974.69             $41,401.30
Recoveries                                   $97394,528058.67        76
Recoveries                         $118,225.49                          $0.00     $203,477.93          $119,548.22           $230,954.33            $0.00

Total Charged Off (Months 5,4,3)         $701719,048499.1625
Total Recoveries (Months 3,2,1)           $323553,026980.1548
                                                              ------------------
Net Loss/(Recoveries) for 3 Mos           $378165,022518.0177 (a)

Total Balance (Months 5,4,3)     $1,789730,258800,073986.4593 (b)

Loss Ratio Annualized [(a/b)*(12)]             0.25351148%

Trigger: Is Ratio > 1.5%                                           No

                                                                                             Sep                                                                                          Oct-04         OctNov-04          Nov         Dec-04
B) Delinquency Trigger:
    Balance delinquency 60+ days                                                                                                             $1,170,838.83    $897,245.27   $1,614,034.39   $1,820,688.85
    As % of Beginning Pool Balance                                                                                                                   0.2101016635%               0.1663531130%        0.3113036447%
    Three Month Average                                                                                                                                         0.1844120319%               0.2031922925%        0.2292528071%

Trigger: Is Average > 2.0%                                       No

C) Noteholders Percent Trigger:                     2.42913423%
       Ending Reserve Account Balance
       not less than 1% of Initial Aggregate
       Receivables Balance

Trigger: Is Minimum < 1.0%                                       No


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Filing Compare · NAVISTAR FINANCIAL RETAIL REC CORP 2004 A OWNER TRUST
