A cargo-loading device for a vehicle is an apparatus that facilitates the transportation of a heavy load. The apparatus minimizes the physical force needed to load and unload the heavy load with a vehicle. The apparatus includes a loading platform, a lifting frame, and a lifting mechanism. The loading platform supports and upholds the heavy load from the ground. The lifting frame connects the loading platform with the vehicle. The lifting mechanism positions and operates the loading platform. Furthermore, the lifting frame includes a support base, and extension arm, a frame boom, a frame jib, and a release pinlock mechanism. The heavy load may be released or unloaded by releasing the hinged connection between the support base and the frame boom with the release pinlock mechanism, the frame boom and the extension arm with a safety pin, or both. The frame jib angles the loading platform with the lifting mechanism.