Potato fries (or chips) that are accompanied by a cheese-based, optionally with a variety of fatty meat pieces.
Loaded being a reference to "rich" fries.
"Dude what are these fries? They're so rich I'm getting instant heartburn"
"Yeah well they're loaded fries"
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French fries with more than two toppings.
They aren't cheddar bacon fries, they're loaded fries!