Abstract: Embodiments of a method and apparatus to lift payloads onto or into a vehicle are disclosed. Optimal embodiments of the device mount to a plurality of receiver hitches on a vehicle and combine optimally shaped and positioned structures, rigid and flexible linkage, and a pivoting tower to form a lifting hoist that is foldable, retractable, and can be recoverably installed. A prominent feature of the present invention is the ability to retract to a stored position that does not interfere with other features or functions of the host vehicle. This invention includes components that make it safe to use on un-level surfaces and other components and methods that enable the apparatus to be leveled to some extent before use.