Heat the refried beans in a microwave safe bowl for 2 minutes until steaming. Cover and set aside.
Place a large clean saucepan over medium heat. Once heated, spray with cooking oil and place 2-3 tortillas in the oil. Sear the tortillas for 1 minute on the first side, then flip over, and sprinkle with grated cheese.
Cover and cook until cheese is melted and tortillas are lightly fried.
Once cooked, remove from pan and layer each taco with heated refried beans, a scoop of chicken, lots of pico de gallo, and a huge slather of spicy ranch.
If desired, top with fresh lime juice and diced cilantro.
Enjoy!