While the conventional pickup truck panders to consumers seeking a capable, powerful vehicle that can likely go anywhere, street trucks tend to be the black sheep of the pickup truck family. These trucks are specifically designed or modified for improved on-road performance, usually with lowered suspensions, more aggressive styling, and sometimes engine upgrades.The street truck segment is a shell of its former self with several names laid to rest, some before they even reached production, although we desperately want them to make a comeback. One of the last names in the segment is the Ford Maverick Lobo, which, if fully loaded, is a modern street truck with impressive styling and a tech-laden interior for less than $50,000.The term "fully loaded" refers to an example of a vehicle with all or the most expensive options listed on the Ford Maverick Lobo configurator. For the section discussing financing, we've used the postal code for Thomaston in Texas, which will have its own delivery fees and other fees included in the listed selling price. Ford's Timber Wolf 2025 Ford Maverick Lobo Blue Front Angled ViewThe Ford Maverick Lobo is Ford's way of offering more options for consumers looking at the Ford Maverick range, enticing enough to warrant acknowledgment as an appealing alternative to the Ford F-150.It is one of only two pickup trucks left in America for under $30,000. As a street truck, the 2026 Ford Maverick Lobo's unibody frame is supported by a lowered suspension system featuring tuned springs and shocks that result in a half-inch drop in ride height at the front axle and 1.12 inches at the rear compared to the regular Ford Maverick.Although not commanding Raptor-level performance figures, the Lobo has the highest output in the Maverick range, an output matched only by the Ford Maverick Tremor and on par with the performance and pricing of a Volkswagen Golf GTI.Stopping power is sourced from an enhanced braking system that inherited the dual-piston front brake calipers from the Ford Focus ST, which is no longer on sale in the USA, but still available in Europe. In contrast, the effects of a lower, more taut suspension system are felt through a "performance-tuned" steering system that Ford claims makes the Lobo drive more like a performance car than a nearly 3,700-pound SuperCrew truck.Adding to performance capability is the Lobo's rear twin-clutch drive unit which enables the use of a torque vectoring system, which improves cornering and stability, but is only available in "Lobo Mode," which is akin to the Ford Mustang's "Track Mode." Aside from mechanical underpinnings and exterior styling, the Ford Maverick Lobo's interior is offered only in black onyx with ActiveZ trimmed leather bucket front seats.The basic version of Ford's modern street truck has an MSRP of $35,930. So, what does a fully loaded Ford Maverick Lobo cost, and what does its inflated price tag get you? A Fully Loaded Lobo 2025 Ford Maverick Lobo Gray Front Angled ViewLet's get the easy stuff out of the way first. The 2026 Ford Maverick Lobo is offered with four color choices to choose from, each offered at no additional cost. Two color choices are available for the roof at no extra cost. There are elements of the Ford Maverick Lobo that can't be altered, like the four-wheel-drive drivetrain, 2.0-liter EcoBoost engine, and the seven-speed transmission it's paired with. Going with the structure of the configurator, where prices start to increase, is when selecting an equipment package.As standard, the Ford Maverick Lobo is offered with the Maverick Lobo 402A equipment group and includes features like: 19-inch Turbofan-style black-painted aluminum wheels Tuned suspension LED projector headlamps A black-painted roof Unique accent stitching on the seats and steering wheel Ford Co-Pilot360 However, customers can opt for the Maverick Lobo 702A equipment package, which, for the added cost of $5,495 on top of the MSRP, customers get the features of the 402A package alongside features like: A Bang & Olufsen 8-speaker sound system Ford Co-Pilot360 Assist 2.0 Heated steering wheel Dual-zone electronic temperature control A power moonroof Pro Trailer Backup Assist Ambient lighting 400W inverter The 19-inch Turbofan wheels characterize elements of the Maverick Lobo, but if they aren't to the customer's liking, then a pair of 19-inch multi-spoke black-painted wheels are offered for $100. Equipment packages and wheels aside, these are the other options that inflate the price of the Ford Maverick Lobo (arranged by exterior options first, then interior options): Exterior Ford Tonneau box cover (Hard Trifold) - $1,260 Touchlink truck bed lighting - $480 Bed extender - $370 Protective film hood/fenders - $360 Cargo management system mounted bed crossbars - $375 Keyless-entry keypad - $230 Bed tray liner - $180 Window air deflector - $180 Wheel lock kit - $90 Tailgate lock - $50 Interior Ford Safe deposit box - $530 Commercial roadside assist kit - $80 First Aid kit - $60 With everything that can be selected and aiming to reach the most expensive configuration of the 2026 Ford Maverick Lobo, it incurs an additional $9,840 on top of its MSRP, which means that (without destination charges, acquisition fees, etc.) a fully loaded 2026 Ford Maverick Lobo costs $45,770. Destination fees come to $1,845, so a total selling price would be $47,615. With the price of a fully loaded Ford Maverick Lobo in mind, what would it cost to finance? Financing A Fully Loaded 2026 Ford Maverick Lobo 2025 Ford Maverick Lobo Gray Front Angled View Close-UpA handful of customers will be ready to cough up the money to cover a new vehicle, especially vehicles like the fully-loaded 2025 Ford Maverick Lobo, with an asking price close to $50,000. In most instances where customers purchase a vehicle, they'll use an auto loan.In this scenario, the monthly payment on the Ford Maverick Lobo example is kept under $1,000 per month. At the same time, our principal amount accounts for 84%, and the interest accounts for the remaining 16%. This resulted in a total loan interest of $8,066.40 and a total cost of roughly $61,014.45. By the end of the fourth year, the balance would finally drop below $10,000.It's worth remembering that these figures are simply an example of the costs of buying a fully loaded example of the Ford Maverick Lobo. They can still be subjected to other costs based on location and possibly dealership accessories. However, the question arises after revealing its "fully loaded" price tag: is it worth it? Is It Worth The Price? Pre-2025 Ford Maverick and Hyundai Santa Cruz Front DrivingFirstly, the incentive to buy a fully loaded Ford Maverick Lobo is subjective. Its main selling point is being a street truck, and there are few choices to pick from in that segment, which might soften the blow of the fully loaded Maverick Lobo's prices for some.However, for the consumer that isn't swayed by the allure of a modern street truck, let's compare the fully-loaded 2026 Ford Maverick Lobo to a fully loaded example of the Ford Mavericks' biggest competition, the Hyundai Sant Cruz, to determine if there is any merit to its "fully-loaded" asking price.The 2026 Hyundai Santa Cruz SEL Activity has a significantly lower selling price with all the options included. Regarding power output, the Ford Maverick Lobo is the clear winner and is offered with four-wheel-drive as standard, whereas an all-wheel-drive system in the Santa Cruz incurs an additional $1,500. The bulk of the options for the Santa Cruz are cosmetic, with a handful of functional options, including bed rails, fender flares, side steps, and underbody protection plates.The Hyundai Santa Cruz is the more affordable option. Still, the Ford Maverick Lobo wins in terms of performance, which is its redeeming quality in this comparison, and its street-truck DNA makes it an appealing offering for consumers explicitly seeking a street truck with a laundry list of amenities. You also don't have to go for all the additional accessories, but only those that will improve your life. We'd only add the Maverick Lobo 702A equipment package, and drive away with a $40k-ish truck.