These Loaded Nachos are the perfect shareable snack or quick meal, piled high with seasoned beef (or beans), melty cheese, salsa, sour cream, jalapeños, and more. Whether you’re hosting a party or craving a late-night treat, this recipe guarantees nacho perfection every time.
🔥 Why You’ll Love This
✔ Fully customizable with 5 topping options
✔ One-pan wonder (easy cleanup)
✔ 3 cooking methods (oven, grill, or air fryer)
✔ Crowd-pleasing for any gathering
Yields: 6 servings
Prep time: 20 minutes
Cook time: 15 minutes
Ingredients:
- 1 (10-ounce) bag tortilla chips
- 1 pound ground beef
- 1 (1 ounce) packet taco seasoning
- 1/2 cup water
- 1 (15-ounce) can refried beans
- 1 cup shredded cheddar cheese
- 1 cup shredded Monterey Jack cheese
- 1/2 cup chopped red onion
- 1/2 cup chopped fresh cilantro
- 1/4 cup sliced black olives
- 1/4 cup pickled jalapeño slices (optional)
- Sour cream, for serving
- Salsa, for serving
- Guacamole, for serving (optional)
Equipment:
- Large oven-safe platter or baking sheet
- Large skillet
- Spatula
Instructions
Step 1: Cook the Ground Beef
- In a large skillet over medium heat, cook and crumble the ground beef until browned. Drain off any excess grease.

Step 2: Add Taco Seasoning
- Stir in the taco seasoning and water. Bring to a simmer and cook for 5-7 minutes, or until most of the liquid has evaporated. Set aside.
Step 3: Preheat the Broiler
- Preheat your oven broiler.

Step 4: Arrange Tortilla Chips
- Arrange the tortilla chips in a single layer on a large oven-safe platter or baking sheet.
Step 5: Add Refried Beans
- Spoon dollops of refried beans over the tortilla chips.

Step 6: Add Seasoned Ground Beef
- Spoon the seasoned ground beef evenly over the chips and beans.
Step 7: Add Cheese
- Sprinkle both the cheddar and Monterey Jack cheese evenly over the top.

Step 8: Broil the Nachos
- Place the platter under the preheated broiler for 2-3 minutes, or until the cheese is melted and bubbly. Watch carefully to prevent burning.
Step 9: Add Toppings
- Remove the nachos from the broiler and sprinkle with chopped red onion, fresh cilantro, and black olives. Add pickled jalapeños, if desired.

Step 10: Serve
- Serve the loaded nachos immediately with sour cream, salsa, and guacamole on the side.

📊 Nutrition (Per Serving)
Calories | 650 |
---|---|
Protein | 28g |
Carbs | 45g |
Fiber | 8g |
(With ground beef and full toppings)
💡 Pro Tips
✅ No-soggy secret: Bake chips alone for 5 mins first
✅ Extra crispy: Use thick-cut chips
✅ Make ahead: Prep toppings separately, assemble before baking
🍽️ Serving Ideas
- Game Day Spread
- Serve with queso dip and margaritas
- Loaded Nacho Bar
- Let guests build their own
- Quick Dinner
- Add shredded lettuce for a salad-like twist
Enjoy your delicious homemade Loaded Nachos!
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