Loaded Beef and Bean Nachos with Fresh Toppings Recipe

Introduction

These loaded nachos are the perfect crowd-pleaser for game nights or casual gatherings. Layered with seasoned ground beef, beans, melted cheese, and fresh toppings, they deliver a satisfying combination of flavors and textures.

Ingredients

• 1 Tbsp. extra-virgin olive oil
• 1 large yellow onion, chopped
• 1 lb. ground beef
• 2 cloves garlic, finely chopped
• 1 Tbsp. taco seasoning
• Kosher salt, to taste
• 1 (15-oz.) can refried beans
• 1/4 cup water
• 1 large bag tortilla chips, divided
• 2 cups shredded cheddar cheese, divided
• 2 cups shredded Monterey jack cheese, divided
• 1 (15-oz.) can black beans, drained, divided
• 1/2 cup pickled jalapeños, divided
• 1 large tomato, finely chopped
• 1 avocado, finely chopped
• 1/4 cup fresh cilantro leaves (optional)
• 1/4 cup thinly sliced scallions
• Sour cream and hot sauce, for drizzling

Instructions

1. Step 1: Preheat the oven to 425ºF. In a large skillet over medium heat, heat the olive oil. Add the chopped onion and cook, stirring occasionally, until softened, about 7 minutes. Add the ground beef and cook, stirring with a wooden spoon, until no longer pink, about 6 minutes. Drain any excess fat.
2. Step 2: Add the garlic and taco seasoning to the beef. Season with kosher salt. Cook, stirring occasionally, until the meat is well browned and slightly crispy, about 5 minutes. Stir in the refried beans and water until fully combined.
3. Step 3: On a foil-lined baking sheet, arrange half of the tortilla chips in an even layer. Top with half of the beef-bean mixture, half of the shredded cheddar and Monterey jack cheeses, half of the black beans, and half of the pickled jalapeños. Repeat to create a second layer with the remaining ingredients.
4. Step 4: Bake the assembled nachos in the preheated oven until the cheese is melted and bubbly, about 15 minutes.
5. Step 5: Remove the nachos from the oven and top with the chopped tomato, avocado, cilantro (if using), and sliced scallions.
6. Step 6: Drizzle with sour cream and hot sauce as desired, then serve immediately for the best flavor and texture.

Tips & Variations

• For extra heat, add fresh diced jalapeños or a sprinkle of cayenne pepper to the beef mixture.
• Substitute ground turkey or chicken for a leaner protein option.
• Use black bean or corn tortilla chips for a gluten-free meal.
• Mix in some corn kernels or diced bell peppers with the beef-bean mixture to add color and crunch.
• To make it vegetarian, omit the beef and add extra beans and vegetables.

Storage

Store leftover nachos in an airtight container in the refrigerator for up to 2 days. To reheat, spread the nachos on a baking sheet and warm in a 350ºF oven until the cheese is melted again and heated through, about 8–10 minutes. Fresh toppings like avocado and sour cream are best added after reheating.

How to Serve

Serve this delicious recipe with your favorite sides.

FAQs

Can I prepare this recipe ahead of time?

You can prepare the beef and bean mixture up to a day in advance and keep it refrigerated. Assemble and bake the nachos just before serving to keep the chips crisp.

What can I use instead of refried beans?

If you don’t have refried beans, you can use mashed black beans or pinto beans as a substitute. Just season them well to maintain flavor.

Loaded Beef and Bean Nachos with Fresh Toppings Recipe

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4.9 from 107 reviews

These loaded nachos feature a savory blend of seasoned ground beef and refried beans layered over crispy tortilla chips with melty cheddar and Monterey jack cheeses. Topped with fresh tomatoes, avocado, cilantro, scallions, sour cream, and hot sauce, this dish makes a perfect appetizer or casual meal full of vibrant flavors and satisfying textures.

• Author: Elena
• Prep Time: 15 minutes
• Cook Time: 25 minutes
• Total Time: 40 minutes
• Yield: 6 servings 1x
• Category: Appetizer
• Method: Baking
• Cuisine: Mexican
• Diet: Halal

Ingredients

Scale 1x2x3x

Nachos

• 1 Tbsp. extra-virgin olive oil
• 1 large yellow onion, chopped
• 1 lb. ground beef
• 2 cloves garlic, finely chopped
• 1 Tbsp. taco seasoning
• Kosher salt, to taste
• 1 (15-oz.) can refried beans
• 1/4 cup water
• 1 large bag tortilla chips, divided
• 2 cups shredded cheddar cheese, divided
• 2 cups shredded Monterey jack cheese, divided
• 1 (15-oz.) can black beans, drained, divided
• 1/2 cup pickled jalapeños, divided

Toppings

• 1 large tomato, finely chopped
• 1 avocado, finely chopped
• 1/4 cup fresh cilantro leaves (optional)
• 1/4 cup thinly sliced scallions
• Sour cream, for drizzling
• Hot sauce, for drizzling

Instructions

1. Cook the beef mixture: Preheat oven to 425ºF. In a large skillet over medium heat, heat the olive oil. Add the chopped onion and cook, stirring occasionally, until softened, about 7 minutes. Add the ground beef and cook, stirring with a wooden spoon, until no longer pink, about 6 minutes. Drain excess fat.
2. Season and combine: Add the finely chopped garlic and taco seasoning to the skillet. Season with kosher salt to taste. Continue cooking, stirring occasionally, until the meat is well browned and slightly crispy, about 5 minutes. Stir in the refried beans and water until well combined.
3. Assemble nacho layers: On a foil-lined baking sheet, arrange half of the tortilla chips. Layer half of the beef and bean mixture over the chips, then sprinkle half of the shredded cheddar and Monterey jack cheeses, half of the drained black beans, and half of the pickled jalapeños. Repeat the layering with the remaining chips, beef mixture, cheeses, black beans, and jalapeños.
4. Bake the nachos: Place the baking sheet in the preheated oven and bake until the cheese melts and the nachos are warmed through, about 15 minutes.
5. Add fresh toppings: Remove the nachos from the oven and top with finely chopped tomatoes, avocado, cilantro leaves if using, and sliced scallions.
6. Finish and serve: Drizzle with sour cream and hot sauce to taste. Serve immediately while warm and crispy.

Notes

• For extra crispiness, use thick and sturdy tortilla chips to hold the toppings.
• You can substitute ground turkey or chicken in place of ground beef for a leaner option.
• Adjust the quantity of pickled jalapeños to control the spice level.
• Refried beans can be substituted with black bean dip or whole black beans mashed if preferred.
• Fresh cilantro is optional but adds a bright, herbaceous flavor that complements the richness.
• To make it vegetarian, omit meat and use extra beans or a meat substitute.

Keywords: nachos, loaded nachos, ground beef nachos, refried beans, Mexican appetizer, baked nachos, cheesy nachos, party food