Carrot Cake Loaf with Filling

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I’ve baked more carrot cakes than I can count, but this carrot cake loaf with filling is truly something special. The aroma that filled my kitchen as it baked was reason enough to fall in love, but that first bite? Pure magic. It has that soft, moist crumb packed with freshly grated carrots, warm spices, and a surprise cream cheese filling that makes each slice irresistible.

I was inspired to make this recipe when I wanted a cozy dessert that felt both nostalgic and indulgent. The loaf format is perfect for slicing and sharing, and the filling adds that creamy, tangy contrast to the spiced cake. It’s one of those bakes that looks humble but delivers big flavor, and it’s honestly a crowd-pleaser every single time.

If you love comforting classics with a twist, this loaf is for you. It’s just as perfect for brunch as it is for dessert, and even better with a cup of coffee. It reminds me of the joy I get from my other cozy favorites like Cinnamon Donut Bread or Nutella French Toast Casserole, making it another go-to in my baking rotation.

Why You’ll Love This Carrot Cake Loaf with Filling

This carrot cake loaf is incredibly moist thanks to the shredded carrots and oil-based batter. The warm notes of cinnamon and nutmeg give it that classic spice cake vibe, while the tangy cream cheese filling adds a luscious, cheesecake-like texture that takes it over the top. It’s easy to make, great for make-ahead, and keeps well for days, which means you can enjoy it for breakfast, snacks, or dessert. Plus, no fancy equipment is required — just basic pantry ingredients and a loaf pan.

Ingredients

Carrots: Freshly grated carrots are essential for the moisture and sweet earthiness in this loaf. They are the heart of any good carrot cake.

All-purpose flour: The sturdy base of the loaf, giving structure and balancing the moist ingredients.

Granulated sugar & brown sugar: This duo provides sweetness and depth. Brown sugar adds a touch of molasses flavor that pairs perfectly with the spices.

Eggs: These bind everything together and help give the loaf its rise.

Vegetable oil: This keeps the cake moist and tender. Unlike butter, oil doesn’t firm up when cool, so your loaf stays soft.

Baking powder & baking soda: These leavening agents give the loaf its lift and help create a light crumb.

Cinnamon & nutmeg: These warm spices bring out the flavor of the carrots and give the loaf its classic aroma.

Salt: A pinch enhances all the other flavors.

Vanilla extract: Adds warmth and depth to the batter and the filling.

Cream cheese, powdered sugar, and vanilla: This trio makes the creamy filling that’s tucked into the center of the loaf.

How to Make Carrot Cake Loaf with Filling

Step 1: Prepare the Filling

Start by mixing softened cream cheese with powdered sugar and a splash of vanilla extract. Beat until smooth and creamy. Set aside or refrigerate while you prepare the batter.

Step 2: Mix the Dry Ingredients

In a large bowl, whisk together flour, baking powder, baking soda, cinnamon, nutmeg, and salt. This ensures even distribution of the leavening agents and spices.

Step 3: Combine the Wet Ingredients

In another bowl, whisk the eggs with granulated sugar and brown sugar until well combined. Add the oil and vanilla extract, and stir until smooth.

Step 4: Fold in the Carrots

Gently fold the grated carrots into the wet mixture. They should be evenly distributed without overmixing.

Step 5: Combine Wet and Dry

Pour the wet mixture into the bowl of dry ingredients. Stir gently until just combined. Do not overmix to avoid a dense loaf.

Step 6: Layer and Fill the Loaf

Pour half of the batter into a greased or parchment-lined loaf pan. Spoon the cream cheese filling down the center, avoiding the sides. Top with the remaining batter, spreading it gently to cover the filling.

Step 7: Bake

Bake at 350°F (175°C) for about 50 to 60 minutes, or until a toothpick inserted comes out mostly clean (a little cream cheese on the stick is fine). Let cool before slicing.

Recipe Variations and Possible Substitutions

This carrot cake loaf with filling is flexible enough to tweak to your liking. Swap half the all-purpose flour for whole wheat flour to add some nuttiness and extra fiber. You can also stir in chopped walnuts, pecans, or raisins for added texture and flavor. For a lighter version, reduce the oil slightly and substitute with unsweetened applesauce. If you’re dairy-free, use a dairy-free cream cheese alternative for the filling.

Serving and Pairing Suggestions

Serve the carrot cake loaf slightly warm with a pat of butter or a drizzle of maple syrup. It pairs beautifully with coffee or chai tea. For dessert, you can add a dollop of whipped cream or a scoop of vanilla ice cream to make it extra indulgent. It also makes a delightful addition to a brunch spread with items like fruit salad, muffins, or quiche.

Storage and Reheating Tips

Store any leftovers in an airtight container in the fridge for up to 5 days. The loaf actually gets better as it sits, allowing the flavors to meld. To reheat, pop a slice in the microwave for about 15–20 seconds or warm it in a low oven for a freshly-baked feel. It also freezes well; wrap individual slices in plastic wrap and place them in a zip-top bag to freeze for up to 2 months.

FAQs

How do I keep the Carrot Cake Loaf with Filling from sinking in the middle?

Make sure not to overmix the batter and avoid opening the oven door during baking. Also, ensure your baking powder and baking soda are fresh.

Can I make the Carrot Cake Loaf with Filling ahead of time?

Yes, you can make it a day or two ahead. In fact, it tastes even better the next day once the flavors have had time to develop.

What kind of carrots work best in the Carrot Cake Loaf with Filling?

Use fresh, finely grated carrots. Pre-shredded carrots tend to be dry and won’t blend into the batter as well.

Can I skip the filling in the Carrot Cake Loaf with Filling?

Absolutely! If you prefer a classic carrot loaf, just skip the cream cheese filling and bake the batter as is.

Related Recipe You’ll Like

If you enjoyed this Carrot Cake Loaf with Filling, you might also love my Decadent Carrot Cake Bars with Cream Cheese Frosting. They have all the classic flavors of carrot cake in bar form with a rich, tangy topping. Or give my Sopapilla Cheesecake Bars a try — they offer a sweet, cinnamon-kissed twist with a creamy filling.

Save and Share This Carrot Cake Loaf with Filling for Later

If this recipe made your day a little sweeter, be sure to save it for later! Pin it to your favorite dessert or brunch board on Pinterest so it’s easy to find next time you’re craving something cozy. Don’t forget to share it with friends and family — they’ll thank you for it! Whether it’s a holiday treat or a weekday pick-me-up, this loaf deserves a spot in your recipe rotation.

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