A cargo-restraint system includes a cargo-restraint apparatus and an anchor plate disposed on a sidewall of a pickup-truck box. The cargo-restraint apparatus includes a spool supported for rotation within a housing, and a strap wound on the spool and extendable and retractable relative to the housing. A strap-return mechanism rotationally biases the spool in a return direction of the strap. A ratchet assembly is supported by the housing and is configured to resist rotation of the spool in the return direction when engaged and to permit rotation when disengaged. The housing is configured to connect with the anchor plate to secure the cargo-restraint apparatus to the box.