Looking for a healthy sweet treat? These No-Sugar, No-Flour Banana Oat Cookies are naturally sweetened with ripe bananas and applesauce, then loaded with hearty oats and rich dark chocolate chunks. They are perfectly soft, chewy, and take just minutes to mix together for a guilt-free dessert or wholesome breakfast cookie!
Famous Ritz Carlton Oatmeal Raisin Cookies
Table of Contents
The Science Behind Flourless, Sugar-Free Baking
- Natural Binding & Sweetness: Ripe mashed bananas and unsweetened applesauce replace both refined sugar and butter. Bananas provide natural sweetness (fructose) while fruit pectin and moisture bind the ingredients.
- Oat Structure: Whole oats absorb liquid from the wet ingredients during mixing and baking, creating a soft, chewy lattice without needing gluten or wheat flour.
- Pre-Bake Shaping: Because these cookies contain no butter or leavening agents, they will not spread in the oven. Shaping them before baking ensures perfectly formed cookies every time.
| Prep Time | Bake Time | Total Time | Yield | Category |
| 10 mins | 15–20 mins | 30 mins | 12 cookies | Breakfast / Healthy Snack |

Ingredients
- 3 ripe bananas, mashed
- 1/3 cup unsweetened applesauce
- 1/4 cup almond milk
- 1 tsp pure vanilla extract
- 2 cups oats (rolled or quick oats)
- 1 tsp ground cinnamon
- 1 cup dark chocolate chunks (sugar-free)
- 1/4 cup raisins or chopped nuts (walnuts or almonds)
Instructions
1.Preheat & Prepare Pan:
Preheat your oven to 350°F (175°C) and line a large baking sheet with parchment paper.
2.Mix Wet Ingredients:
In a large mixing bowl, stir together the mashed bananas, applesauce, almond milk, and vanilla extract until well combined.
3.Add Oats & Spice:
Stir in the oats and ground cinnamon until fully incorporated into the banana mixture.
4.Fold in Mix-Ins:
Gently fold in the dark chocolate chunks and your choice of raisins or chopped nuts until evenly distributed throughout the dough.
5.Shape the Cookies:
Scoop the dough onto your prepared baking sheet. Because these lack flour and traditional baking fats, they will not spread much as they bake. Use the back of a spoon or your fingers to gently flatten and shape them into cookie rounds.
6.Bake Until Firm:
Bake for 15–20 minutes, or until the cookies are firm to the touch and lightly golden around the edges.
7.Cool completely:
Allow the cookies to cool on the baking sheet for 5 minutes before transferring them to a wire cooling rack to set completely.
Pro Tips
- Use Very Spotty Bananas: The riper your bananas, the naturally sweeter your cookies will be! Look for bananas with plenty of dark brown spots for the best flavor.
- Keep It Strictly Sugar-Free: To keep this recipe 100% no-sugar-added, make sure to select unsweetened applesauce and a sugar-free dark chocolate brand (such as Lily’s).
- Texture Customization: Rolled oats yield a heartier, chewier bite, whereas quick oats produce a softer, uniform texture.

Frequently Asked Questions
Can I make banana oat cookies without flour?
Yes! Whole oats naturally act as the binder and structural base for these cookies, completely replacing wheat flour while adding fiber and a chewy texture.
Can I make oat cookies without sugar?
Yes. Ripe mashed bananas and unsweetened applesauce supply all the sweetness and moisture needed, eliminating the need for granulated sugar, brown sugar, or syrup.
Can I make oat cookies without flour?
Yes! Oats absorb liquid wet ingredients as they bake, holding the cookies together without requiring traditional grain or gluten flours.
How do you make banana oatmeal cookies without sugar?
Mash 3 ripe bananas and combine them with 1/3 cup applesauce, 1/4 cup almond milk, and 1 tsp vanilla extract. Stir in 2 cups oats and 1 tsp cinnamon, fold in sugar-free chocolate chunks or nuts, press into cookie shapes, and bake at 350°F for 15–20 minutes.
Print
No-Sugar, No-Flour Banana Oat Cookies
- Total Time: 30 minutes
- Yield: 12 cookies 1x
Description
These easy banana oatmeal cookies are naturally sweet, soft, and chewy, with wholesome oats, dark chocolate chunks, and your choice of raisins or crunchy nuts.
Ingredients
- 3 ripe bananas, mashed
- 1/3 cup unsweetened applesauce
- 1/4 cup almond milk
- 1 tsp pure vanilla extract
- 2 cups oats, rolled or quick oats
- 1 tsp ground cinnamon
- 1 cup dark chocolate chunks, sugar-free
- 1/4 cup raisins or chopped nuts, walnuts or almonds
Instructions
- Preheat your oven to 350°F (175°C) and line a large baking sheet with parchment paper.
- In a large mixing bowl, stir together the mashed bananas, applesauce, almond milk, and vanilla extract until well combined.
- Stir in the oats and ground cinnamon until fully incorporated into the banana mixture.
- Gently fold in the dark chocolate chunks and your choice of raisins or chopped nuts until evenly distributed throughout the dough.
- Scoop the dough onto your prepared baking sheet. Because these cookies lack flour and traditional baking fats, they will not spread much as they bake. Use the back of a spoon or your fingers to gently flatten and shape them into cookie rounds.
- Bake for 15–20 minutes, or until the cookies are firm to the touch and lightly golden around the edges.
- Allow the cookies to cool completely before serving.
Notes
These cookies do not spread much during baking, so gently flatten and shape them before baking. Let them cool completely so they can firm up before serving.
- Prep Time: 10 minutes
- Cook Time: 20 minutes
- Category: Dessert
- Method: Baked
- Cuisine: American
Nutrition
- Serving Size: 1 cookie
- Calories: 120
- Sugar: 7g
- Sodium: 25mg
- Fat: 4g
- Saturated Fat: 2g
- Unsaturated Fat: 1g
- Trans Fat: 0g
- Carbohydrates: 19g
- Fiber: 2g
- Protein: 2g
- Cholesterol: 0mg
