The following aspects of the proposed continuum-based finite-layer model are presented: (1) theoretical basis, (2) applicability in evaluating pavement response, and (3) verification of predictive capability. The model incorporates important pavement response factors such as noncircular contact area, complex contact stress distributions (normal and shear), vehicle speed, and viscoelastic material characterization. The proposed model is much more computationally efficient than the moving-load models based on the finite-element method. A verification study, undertaken to validate the predictive capability of the proposed approach and its ensuing computer program, is also presented. The validation study includes (1) verification using results from ELSYM5, a widely used pavement response model, and (2) laboratory verification using two foam rubber models. Very good agreement was observed in both cases. Applicability of the proposed approach has also been demonstrated using realistic pavement loading. The proposed finite-layer approach is therefore an ideal tool for modeling the behavior of asphalt concrete layer and for studying the effects of vehicle speed and complex tire-pavement interface stresses on pavement response.