The cargo rack assembly a support rack such as the roof rack of a vehicle to assist in the loading and unloading of cargo onto the support rack. The assembly includes load bars connected to base bars via a pivoting lever; the load bars include straps and load arms for securing cargo to the assembly. The base bars are affixed to the support rack and the load bars and pivoting levers transition between a secured position and a loading/unloading position in a smooth motion. The assembly may include a tensioning system for biasing the load bars to the secure position to aid the user in lifting the cargo.