It’s not going to cost you $7,995 to do a lift, wheels, and tires. I would get a stock TRD ORP and modify it yourself. As you’re on here more you’ll learn about the right lift for your needs and find wheels/tires you want and suited to your taste. Save yourself the $10k you would be putting in a loan...
I'm interested to know what you like so much about the 2021 trail. To me it's an SR5 that comes with a cooler.