Actually you will be close on Payload but it still might work. Payload usually runs out before anything else on SUV's. That said only you know how much you will put weight wise in the vehicle. My philosophy (some will disagree) is you should never exceed any of the manufacturers various ratings of the vehicle (GVWR, Hitch rating, RAWR/FAWR, tire and wheel ratings, etc). If you live by that and have a properly equipped tow vehicle coupled with a quality integrated sway control/weight distributing hitch you can safely tow up to any of the maximum ratings of the vehicle.
