A vehicle having a cargo area includes a first cargo panel having a first recess extending into the first cargo panel, and a second cargo panel having a second recess extending into the second cargo panel. The vehicle includes a cargo floor for supporting the first and second cargo panels in an interlocked configuration in contact with the cargo floor. In the interlocked configuration, the first and second cargo panels are disposed in upright orientations and the second cargo panel is disposed orthogonally to the first cargo panel such that the first recess interfaces the second recess. The vehicle further includes a trim panel for supporting the first and second cargo panels in a coplanar configuration such that first and second cargo panels are spaced from the cargo floor.