MONACO FINANCE INC
NT 10-K, 1999-04-01
AUTO DEALERS & GASOLINE STATIONS
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                                 UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION

                            Washington, D.C.  20549



                                 FORM 12b-25



                        NOTIFICATION OF LATE FILING



                                                          SEC File No: 0-18819



                                (Check One):

     /X/Form 10-K  / /Form 20-F  / /Form 11-K  / /Form 10-Q  / /Form N-SAR



                 FOR PERIOD ENDED:   December 31, 1998

                                  --------------------------------------------



                 /  / Transition Report on Form 10-K

                 /  / Transition Report on Form 20-F

                 /  / Transition Report on Form 11-K

                 /  / Transition Report on Form 10-Q

                 /  / Transition Report on Form N-SAR



                 For the Transition Period Ended: 

                                                 ------------------------------



Read Instruction (on back page) Before Preparing Form.  Please Print or Type.



   NOTHING IN THIS FORM SHALL BE CONSTRUED TO IMPLY THAT THE COMMISSION HAS 

                  VERIFIED ANY INFORMATION CONTAINED HEREIN.



    If the notification relates to a portion of the filing checked above, 

          identify the Item(s) to which the notification relates: 



- -----------------------------------------------------------------------------



                        PART I - REGISTRANT INFORMATION



                          MONACO FINANCE, INC.

                          --------------------------

                            Full Name of Registrant



                                      N/A

                          --------------------------

                          Former Name if Applicable



                       370 17TH STREET, SUITE 5060

           --------------------------------------------------------

           Address of Principal Executive Office (Street and Number)



<PAGE>



                          DENVER, COLORADO  80202

                          --------------------------

                           City, State and Zip Code





                       PART II - RULES 12b-25(b) and(c)



If the subject report could not be filed without unreasonable effort or 

expense and the registrant seeks relief pursuant to Rule 12b-25(b), the 

following should be completed.  (Check box if appropriate)



/X/  (a)  The reasons described in reasonable detail in Part III of this form

          could not be eliminated without unreasonable effort or expense;



/X/  (b)  The subject annual report, semi-annual report, transition report on

          Form 10-K, Form 20-F, Form 11-K or Form N-SAR, or portion thereof, 

          will be filed on or before the fifteenth calendar day following the 

          prescribed due date; or the subject quarterly report of transition 

          report on Form 10-Q, or portion thereof will be filed on or before 

          the fifth calendar day following the prescribed due date; and



/ /  (c)  The accountant's statement or other exhibit required by Rule 

          12b-25(c) has been attached if applicable.





PART III - NARRATIVE



State below in reasonable detail the reasons why the Form 10-K, Form 20-F, 

Form 11-K, Form 10-Q, Form N-SAR, or the transition report or portion 

thereof, could not be filed within the prescribed time period. (ATTACH EXTRA 

SHEETS IF NEEDED.)



	Management has been actively engaged in the seeking of additional

	capital. Due to the time and energy devoted to this project, 

	management has been unable to devote the resources necessary to

	timely complete its Form 10-KSB for the period ended December 31,

	1998.





PART IV - OTHER INFORMATION



    Name and telephone number of person to contact in regard to this 

notification:



    Morris Ginsburg                                            (303) 592-9411

    -------------------------------------------------------------------------

    (Name)                                        (AreaCode)(Telephone Number)



<PAGE>



    (2)  Have all other periodic reports required under Section 13 or 15(d) 

of the Securities Exchange Act of 1934 or Section 30 of the Investment 

Company Act of 1940 during the preceding 12 months (or for such shorter) 

period that the registrant was required to file such report(s) been filed?  

If the answer is no, identify report(s).



         /X/ Yes  / / No



    (3)  Is it anticipated that any significant change in results of 

operations from the corresponding period for the last fiscal year will be 

reflected by the earnings statements to be included in the subject report or 

portion thereof?



         / / Yes  /X/ No



    If so, attach an explanation of the anticipated change, both narratively 

and quantitatively, and, if appropriate, state the reasons why a reasonable 

estimate of the results cannot be made.



                          Monaco Finance, Inc.

                          --------------------------

                (Name of Registrant as specified in charter)



has caused this notification to be signed on its behalf by the undersigned 

hereunto duly authorized.





Date: March 30, 1999                By /s/ Morris Ginsburg

                                         -----------------------

                                           Morris Ginsburg

                                           President





INSTRUCTION:  The form may be signed by an executive officer of the 

registrant or by any other duly authorized representative.  The name and 

title of the person signing the form shall be typed or printed beneath the 

signature.  If the statement is signed on behalf of the registrant by an 

authorized representative (other than an executive officer), evidence of the 

representative's authority to sign on behalf of the registrant shall be filed 

with the form.



- - ---------------------------------ATTENTION---------------------------------



    INTENTIONAL MISSTATEMENTS OR OMISSIONS OF FACT CONSTITUTE FEDERAL 

CRIMINAL VIOLATIONS (SEE 18 U.S.C. 1001).



- - ---------------------------------------------------------------------------





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