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VehicleBudgetConfirmed + Tested

Rat-Loader

· Muscle · Muscle class car
Online price (est.)
$6K
Updated Sep 14, 2026
Rat-Loader in GTA 5

Overview

The Rat-Loader is a rough, flatbed styled muscle car sold through GTA Online for $6,000. That makes it one of the cheapest vehicles in this entire list. Its rusty, unfinished look is the whole appeal. Testing shows a 103 mph top speed and a 1:23.734 lap, good for tier O, the back of the muscle class by lap time. Its 1200 mass and RWD power carry two seats in a body built for looks rather than speed. The Rat-Loader has been available since GTA V launched in September 2013 and has never been removed from sale. Treat it as a cheap curiosity, since its lap time trails every other car covered in this batch of muscle cars.

Performance

Estimated · 0–100 scale
Speed
23 / 100
Acceleration
32 / 100
Braking
20 / 100
Handling
32 / 100
Overall
Unknown

Racing Performance

Tested lap data · resale estimated
Lap Time
1:23.734
#94/95 in Muscle · #693/836 overall
Tested, fully upgraded
Top Speed
103 mph
#83/95 in Muscle · #581/836 overall
Tested, fully upgraded
Race Tier
Tier O
By tested lap time
Race Eligibility
Regular, Transform, Random
Race types this vehicle can enter
Performance Upgrades
Standard upgrades only
Optional mods that add real performance
Resale Value
$3.6K
Est. 60% before upgrades
Numbers carry their source and test date. Hover or tap a date for details. Resale is an estimate.

Cheaper and Faster

1 in Muscle
VoodooLap 1:21.882 · $5.5K
Same class, better tested lap time, lower listed price. Nothing else weighs in. Lap times via Broughy1322 testing.

Specs

Game-file data · via Broughy1322
Handling
Drive Max Speed (game files)135
Engine Force (Stock)0.22
Engine Force (Maxed)0.308
Power to Front0%
Brake Force0.4
Maximum Grip1.65
Off-Road Grip Loss0
Ownership
StorageGarage
Upgrades AtLSC
Added OnSep 17, 2013

How to Acquire

Buy it in GTA Online from GTA Online for $6,000.

Availability
GTA 5 and GTA Online
Story Mode Price
$6,000
Online Price
$6,000
Dealer / Source
GTA Online

Customization

Not customizable
No known customization for this vehicle.
No special tricks. The standard performance upgrades are all this one needs.
Upgrade advice from Broughy1322's testing.
Upgrades & Mods20Open the planner →
ModSlotCostStat effectsNotes
Engine Upgrade Level 1Engine$9KPower +25%In-game: EMS Upgrade, Level 1. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Engine Upgrade Level 2Engine$12.5KPower +50%In-game: EMS Upgrade, Level 2. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Engine Upgrade Level 3Engine$18KPower +75%In-game: EMS Upgrade, Level 3. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Engine Upgrade Level 4Engine$33.5KPower +100%In-game: EMS Upgrade, Level 4. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Transmission Level 1Transmission$29.5KGearbox +33%In-game: Street Transmission. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Transmission Level 2Transmission$32.5KGearbox +67%In-game: Sports Transmission. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Transmission Level 3Transmission$40KGearbox +100%In-game: Race Transmission. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Turbo TuningTurbo$50KAcceleration +10%Single-stage turbo. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Brakes Level 1Brakes$20KBraking +33%In-game: Street Brakes. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Brakes Level 2Brakes$27KBraking +67%In-game: Sport Brakes. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Brakes Level 3Brakes$35KBraking +100%In-game: Race Brakes. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Suspension Level 1Suspension$1KLowering +25%In-game: Lowered Suspension. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Suspension Level 2Suspension$2KLowering +50%In-game: Street Suspension. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Suspension Level 3Suspension$3.4KLowering +75%In-game: Sport Suspension. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Suspension Level 4Suspension$4.4KLowering +100%In-game: Competition Suspension. $4,400 on most high-end rides, though some newer cars list a little less (the Turismo Omaggio shows $4,180). Cheaper rides pay less at Los Santos Customs.
Armor Plating 20%Armor$7.5KArmor +20%In-game: Armor Upgrade 20%. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Armor Plating 40%Armor$12KArmor +40%In-game: Armor Upgrade 40%. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Armor Plating 60%Armor$20KArmor +60%In-game: Armor Upgrade 60%. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Armor Plating 80%Armor$35KArmor +80%In-game: Armor Upgrade 80%. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Armor Plating 100%Armor$50KArmor +100%In-game: Armor Upgrade 100%. GTA Online price for high-end vehicles. Cheaper rides pay less at Los Santos Customs.
Raw handling data · 54 values
AIHandlingAVERAGE
fAntiRollBarBiasFront0.6
fAntiRollBarForce0.7
fBrakeBiasFront0.6
fBrakeForce0.4
fCamberStiffnesss0
fClutchChangeRateScaleDownShift1.2
fClutchChangeRateScaleUpShift1.2
fCollisionDamageMult1
fDeformationDamageMult0.8
fDriveBiasFront0
fDriveInertia1
fEngineDamageMult1.4
fHandBrakeForce0.3
fInitialDragCoeff10
fInitialDriveForce0.22
fInitialDriveMaxFlatVel135
fLowSpeedTractionLossMult0.9
fMass1200
fOilVolume4
fPercentSubmerged85
fPetrolTankVolume45
fRollCentreHeightFront0.05
fRollCentreHeightRear0.05
fSeatOffsetDistX0
fSeatOffsetDistY-0.05
fSeatOffsetDistZ0
fSteeringLock35
fSuspensionBiasFront0.48
fSuspensionCompDamp1.3
fSuspensionForce1.8
fSuspensionLowerLimit-0.25
fSuspensionRaise0
fSuspensionReboundDamp1.8
fSuspensionUpperLimit0.2
fTractionBiasFront0.48
fTractionCurveLateral17.5
fTractionCurveMax1.65
fTractionCurveMin1.25
fTractionLossMult0
fTractionSpringDeltaMax0.18
fWeaponDamageMult1
nInitialDriveGears4
nMonetaryValue50000
strDamageFlags0
strHandlingFlags0
strModelFlags210040
subHandlingNULL
vecCentreOfMassOffsetX0
vecCentreOfMassOffsetY0
vecCentreOfMassOffsetZ0.35
vecInertiaMultiplierX1
vecInertiaMultiplierY1
vecInertiaMultiplierZ1
Straight from the game's handling.meta file, via Broughy1322's sheet (pull Jul 25, 2026). Values are shown exactly as stored, listed alphabetically, with no interpretation applied.
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