A personal vehicle loading and unloading apparatus includes a support structure mounted to a platform such as a truck bed which supports the personal vehicle, and a moveable ramp mounted telescopically within the support structure. The ramp is manually moveable between a retracted position where substantially the entire ramp is within the truck bed and an extended position where substantially the entire ramp extends from the truck bed. The ramp and the support structure each have an upper surface over which the bottom surface of the personal vehicle, or a conveyor for the vehicle, rides as the personal vehicle is moved to and from the truck bed. These upper surfaces each comprise an anti-friction material having a kinetic friction coefficient no greater than 0.5. A winch mechanism mounted to the support structure pulls the personal vehicle into the truck bed during loading and lowers slowly the personal vehicle from the truck bed during unloading.