This invention relates to a retractable ramp assembly installed to a pick-up truck for use in loading heavy objects into the hauling space. An enclosure for the ramp is used to provide a raised platform for the pick-up truck. The ramp has front and rear sections hinged together. The front section has a length about equal to the length of the tailgate (when open) of the truck and the rear section is long as compared to the front section. The retractable ramp is stored in the enclosure. It may be extended to a position wherein the front section rests directly on top of the open tailgate, in which event, the rear section of the ramp extends upwardly or downwardly to a loading surface.