Wash and scrub the potatoes thoroughly. Pat them dry with a towel.
Prick each potato several times with a fork to allow steam to escape during cooking.
Rub the potatoes with olive oil, then sprinkle with salt and pepper.
Preheat your air fryer to 400°F (200°C).
Place the potatoes in the air fryer basket. Cook for 35-40 minutes, turning them halfway through for even cooking, until they are tender when pierced with a fork.
While the potatoes are cooking, prepare your desired toppings. In a mixing bowl, combine cheese, bacon, chives, and any other toppings you like.
Once the potatoes are cooked, remove them from the air fryer and let them cool slightly.
Cut a slit down the center of each potato and gently squeeze the ends to open them up.
Add a generous scoop of sour cream or Greek yogurt, then top with cheese, bacon, chives, and any additional toppings.
Serve immediately while hot. Enjoy your delicious loaded baked potatoes!