If you are looking for a delightful and moist treat that combines the warm spices of autumn with a luscious cream cheese surprise, then this Carrot Cake Loaf with Cream Cheese Filling and Pecans Recipe is exactly what your kitchen needs. This loaf is not just a beautiful cake but a celebration of textures—soft, rich cake layers wrapped around a smooth cream cheese filling, all topped with crunchy pecans for that perfect nutty finish. It’s the kind of recipe that feels like a warm hug in dessert form and is sure to become your new favorite for breakfast, dessert, or any time in between.

Ingredients You’ll Need
The magic of this Carrot Cake Loaf lies in its simple yet thoughtfully chosen ingredients. Each one plays a vital role: from the freshly grated carrots that bring natural sweetness and moisture, to the warming spices that infuse the cake with cozy flavor, and finally the cream cheese filling and pecans adding creamy tang and delightful crunch.
- 1 1/2 cups grated carrots: Freshly grated carrots keep the loaf moist and add a subtle natural sweetness and vibrant color.
- 1 1/4 cups all-purpose flour: The base that gives structure to the deliciously soft cake.
- 1/2 cup brown sugar: Adds depth and a touch of molasses flavor that complements the spices perfectly.
- 2 large eggs: Bind the ingredients and provide richness to the loaf.
- 1/2 cup vegetable oil: Ensures the cake stays tender and moist with every bite.
- 1 tsp vanilla extract: Enhances all the other flavors with a warm, sweet aroma.
- 1 tsp cinnamon: One of the key warming spices that gives the cake its comforting allure.
- 1/4 tsp nutmeg: Adds a subtle earthy spice that perfectly complements cinnamon.
- 1/2 tsp baking powder: Helps the cake rise for a light crumb.
- 1/2 tsp baking soda: Works with the acidic ingredients to ensure a tender texture and lift.
- 1/4 tsp salt: Balances sweetness and enhances all other flavors.
- 1/3 cup chopped pecans: Sprinkled on top to add a lovely crunch and nuttiness.
- 8 oz cream cheese (softened): Creates the smooth and rich filling that makes this cake irresistible.
- 1/4 cup granulated sugar: Sweetens the cream cheese filling to perfection.
- 1/2 tsp vanilla extract (for filling): Adds a fragrant finish to the cream cheese layer.
How to Make Carrot Cake Loaf with Cream Cheese Filling and Pecans Recipe
Step 1: Prepare Your Pan and Cream Cheese Filling
First things first, preheat your oven to 350°F (175°C) and make sure to grease and line a loaf pan to prevent sticking. Next, beat together the softened cream cheese, granulated sugar, and vanilla extract until smooth and creamy. Set this luscious filling aside because it’s going to make your loaf truly special.
Step 2: Mix the Dry Ingredients
In a large bowl, whisk together the all-purpose flour, baking powder, baking soda, cinnamon, nutmeg, and salt. These dry ingredients are the foundation of the loaf’s structure and flavor, so take a moment to mix them well to ensure even distribution of those lovely spices.
Step 3: Combine the Wet Ingredients
In a separate bowl, beat the eggs with the brown sugar, vegetable oil, and vanilla extract. Then fold in those freshly grated carrots, which bring freshness and moisture. This mixture is where all the tender and moist magic starts to take shape.
Step 4: Bring It All Together
Gently fold the dry mixture into the wet ingredients until just combined. Avoid overmixing here because you want to keep your loaf tender. Pour half of the batter into your prepared loaf pan and smooth it out evenly.
Step 5: Add the Cream Cheese Filling
Carefully spread the cream cheese filling over the first layer of batter. Be sure to leave some space around the edges to prevent the filling from spilling over when baked. Next, pour the remaining carrot cake batter on top and smooth the surface gently.
Step 6: Top with Chopped Pecans and Bake
Sprinkle chopped pecans evenly over the top for a crunchy and nutty finish. Place the pan in the oven and bake for about 50 to 60 minutes. You’ll know it’s done when a toothpick inserted into the cake part (avoiding the cream cheese center) comes out clean. Let it cool completely before slicing to see that beautiful cream cheese swirl inside.
How to Serve Carrot Cake Loaf with Cream Cheese Filling and Pecans Recipe
Garnishes
A dusting of powdered sugar or a drizzle of honey on top enhances the flavor and presentation without overpowering the natural sweetness. For a festive touch, sprinkle some extra chopped pecans or even some finely shredded carrot curls.
Side Dishes
This loaf pairs wonderfully with a cup of hot chai tea or rich coffee, bringing out the notes of cinnamon and nutmeg in the cake. You might also enjoy it alongside fresh fruit like sliced apples or a small bowl of Greek yogurt for a complete and balanced snack.
Creative Ways to Present
For a stunning breakfast or brunch platter, slice the loaf thickly and serve with a whipped cream topping or even a scoop of vanilla ice cream for dessert. Wrap individual slices in parchment for giveaways or take-along treats that will impress friends and family.
Make Ahead and Storage
Storing Leftovers
Once the loaf has completely cooled, store it in an airtight container in the refrigerator. This will keep it fresh for up to 5 days while preserving the textures of the recipe.
Freezing
You can freeze the Carrot Cake Loaf with Cream Cheese Filling and Pecans Recipe by wrapping it tightly in plastic wrap and then aluminum foil. It freezes beautifully for up to 2 months. Thaw overnight in the fridge before serving.
Reheating
To enjoy a warm slice, reheat individual portions in the microwave for about 20 to 30 seconds or place slices in a preheated oven at 300°F (150°C) for 10 minutes. The cream cheese filling remains decadently soft even when warmed.
FAQs
Can I use other nuts instead of pecans?
Absolutely! Walnuts make a great substitute and provide a similar crunchy texture and flavor. If allergies are a concern, toasted sunflower seeds can also be a tasty alternative.
Is it necessary to grate fresh carrots or can I use pre-shredded?
Freshly grated carrots work best for moisture and flavor, but pre-shredded carrots from the store can be used in a pinch. Just make sure they’re finely shredded and well-drained to avoid excess moisture.
Can I make this recipe gluten-free?
Yes! Use a 1:1 gluten-free baking flour blend that includes xanthan gum to maintain the loaf’s structure and crumb. The rest of the ingredients stay the same, so no need to change the flavor or texture.
How do I prevent the cream cheese filling from leaking during baking?
Spreading the filling evenly but leaving a small gap around the edges will minimize leakage. Also, avoid overfilling the loaf pan with batter and filling, as space is needed for expansion while baking.
Is this recipe suitable for making muffins or cupcakes?
You can adapt the recipe for muffins by layering batter and cream cheese filling in muffin tins. Bake for about 20-25 minutes, checking doneness with a toothpick. It’s a fun way to serve individual portions while keeping the same flavor experience.
Final Thoughts
If you’re craving a dessert that feels like a cozy celebration, the Carrot Cake Loaf with Cream Cheese Filling and Pecans Recipe is your perfect companion. Its tender crumb, rich cream cheese swirl, and crunchy pecan topping make every bite a moment to savor. I encourage you to try making this loaf soon—it’s guaranteed to brighten your day and sweeten your gatherings with its irresistible charm.
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Carrot Cake Loaf with Cream Cheese Filling and Pecans Recipe
- Prep Time: 20 minutes
- Cook Time: 50-60 minutes
- Total Time: 1 hour 10 minutes
- Yield: 1 loaf (approximately 8 slices)
- Category: Baking
- Method: Baking
- Cuisine: American
- Diet: Vegetarian
Description
This Carrot Cake Loaf with Filling is a moist and flavorful treat featuring freshly grated carrots, warm spices, and a luscious cream cheese filling. Perfectly topped with crunchy pecans, this loaf is ideal for breakfast, dessert, or a delightful snack. The classic combination of cinnamon and nutmeg enhances the natural sweetness of carrots, while the cream cheese layer adds a creamy richness that elevates every bite.
Ingredients
For the Carrot Cake Batter
- 1 1/2 cups grated carrots (freshly grated)
- 1 1/4 cups all-purpose flour
- 1/2 cup brown sugar
- 2 large eggs
- 1/2 cup vegetable oil
- 1 tsp vanilla extract
- 1 tsp cinnamon
- 1/4 tsp nutmeg
- 1/2 tsp baking powder
- 1/2 tsp baking soda
- 1/4 tsp salt
For the Cream Cheese Filling
- 8 oz cream cheese (softened)
- 1/4 cup granulated sugar
- 1/2 tsp vanilla extract
Topping
- 1/3 cup chopped pecans
Instructions
- Preheat and Prepare: Preheat your oven to 350°F (175°C). Grease and line a loaf pan with parchment paper or lightly oil it to ensure easy removal of the cake.
- Make the Cream Cheese Filling: In a medium bowl, beat the softened cream cheese with granulated sugar and 1/2 teaspoon vanilla extract until the mixture is smooth and creamy. Set this aside for layering.
- Mix Dry Ingredients: In a large bowl, whisk together all-purpose flour, baking powder, baking soda, cinnamon, nutmeg, and salt to evenly distribute the leavening agents and spices.
- Combine Wet Ingredients: In another bowl, whisk together the eggs, brown sugar, vegetable oil, and 1 teaspoon vanilla extract. Stir in the freshly grated carrots until the mixture is well combined.
- Blend Batter: Fold the dry ingredients into the wet mixture gently until just combined, taking care not to overmix to maintain a tender crumb.
- Layer the Batter and Filling: Pour half of the batter into the prepared loaf pan and spread it evenly. Carefully spoon and spread the cream cheese filling over the batter layer, then add the remaining batter on top, smoothing the surface for an even finish.
- Add Topping: Sprinkle the chopped pecans evenly over the top of the batter, adding a delightful crunch after baking.
- Bake: Place the loaf pan in the preheated oven and bake for 50–60 minutes. Check doneness by inserting a toothpick into the cake portion; it should come out clean without wet batter.
- Cool and Serve: Allow the loaf to cool completely in the pan before removing, slicing, and serving. This helps the filling set and makes slicing easier.
Notes
- Use freshly grated carrots for the best texture and flavor.
- Ensure the cream cheese is softened to achieve a smooth filling.
- Do not overmix the batter to keep the loaf light and tender.
- If you don’t have pecans, walnuts can be a suitable substitute.
- Store the loaf in an airtight container in the refrigerator to maintain freshness.
- Allow the loaf to cool fully before slicing to prevent the cream cheese filling from oozing out.

