Gather your ingredients. Preheat your oven to 350ºF and spray a 9x4-inch loaf pan with cooking spray. Set aside.
Whisk the eggs in a large bowl. Stir in the crushed crackers, shredded cheese, milk, garlic powder, salt, and pepper.
3 eggs, 48 Ritz crackers, 1 cup shredded sharp cheddar cheese, ½ cup whole milk, ½ teaspoon garlic powder, ½ teaspoon ground black pepper, 1 teaspoon salt
Add the ground beef and chopped onions and stir until the mix is evenly blended. Try not to overmix.
2 pounds ground beef, ½ cup white onion
Scoop the ground beef mix into the prepared pan and press it into the pan evenly.
Bake the meatloaf in the preheated oven for 30 minutes.
While the meatloaf is baking, whisk together the ketchup, brown sugar, and mustard in a medium sized bowl.
¾ cup ketchup, 1 tablespoon brown sugar, 1 teaspoon mustard
After thirty minutes in the oven, remove the meatloaf and spread the ketchup topping over the top of the meat in the pan.
Return the meatloaf to the oven to bake for another 30 minutes. The center of the meatloaf should read 160ºF on a cooking thermometer and it will be pulling away from the edges of the pan. The topping will also be nicely browned.
Let the meatloaf cool for about 15 minutes then slice and enjoy!