Preheat the oven to 375 degrees. Line a baking sheet with parchment paper.
Cook the bacon in a skillet until crisp, then drain and crumble it.
In a large bowl, combine the ground beef, softened cream cheese, diced jalapeños, shredded cheddar, crumbled bacon, breadcrumbs, egg, chopped onion, minced garlic, salt, and black pepper.
Mix everything with your hands until the ingredients are evenly distributed.
Shape the mixture into a loaf on the prepared baking sheet.
Bake for 50 to 55 minutes until the internal temperature reaches 160 degrees.
Let the meatloaf rest for 10 minutes before slicing.