Preheat the oven to 375°F (190°C). Lightly grease a loaf pan or line a baking sheet with parchment paper.

In a large mixing bowl, combine the ground beef, crushed tortilla chips, eggs, milk, diced onion, garlic, taco seasoning, salsa, cheese, cilantro, salt, and pepper.

Use clean hands or a spoon to mix everything gently until just combined. Avoid overmixing to keep the meatloaf tender.

Shape the mixture into a loaf and place it into the prepared pan or onto the baking sheet.

Spread ⅓ cup salsa evenly over the top of the meatloaf.

Bake for 40–45 minutes, or until the internal temperature reaches 160°F (71°C).

Remove from the oven, sprinkle the remaining shredded cheese over the top, and return to the oven for 5 minutes until melted.

Let the meatloaf rest for 8–10 minutes before slicing. This helps it hold its shape.