In a large saute pan, brown ground beef and diced onion on medium high heat until well caramelized. Season with salt and pepper.
Begin assembling burritos by spreading a thin layer of refried beans down the middle of your flour tortillas, leaving room at the ends for folding.
Season beans with salt and pepper, and sprinkle cheddar cheese along the top. Finish filling by adding roughly 1/2 cup of ground beef mixture.
Fold burritos into a rectangular shape. Begin by folding the two short ends of the burritos in toward the center, and finish by folding in the longer sides together. Place seam side down.
In a large electric skillet or stove top pan heat olive oil to roughly 350 degrees, or med/medium high heat. Place burritos seam side down and fry for roughly 2-3 minutes per side or until golden brown.
Top with desired burrito toppings: shredded lettuce, cilantro, diced tomatoes, olives, cheese, jalapeƱos, salsa, sour cream, guacamole, hot sauce