Slow Cooker Method
Step 1 - Prep everything first. Finely chop the onion, bell peppers, and jalapeños. Smash the garlic cloves flat with the side of your knife, then mince finely. Drain and rinse both cans of beans. Measure out all the spices together in a small bowl so they're ready to add all at once.
The 15-minute prep time covers all of this if you work efficiently. Having everything measured and ready before you start makes the actual slow cooker loading a 3-minute task rather than a 15-minute one.
Step 2 - Load the slow cooker. Add everything except the toppings and lime juice directly to your 5–6 quart slow cooker: the chopped onion, bell peppers, jalapeños, minced garlic, chili powder, cumin, cayenne, salt, pepper, crushed tomatoes with their juices, 4 cups of vegetable broth, and the dried lentils. Stir everything together thoroughly to distribute the spices evenly.
Add the drained and rinsed black beans and pinto beans on top and stir again to incorporate.
Do not add the lime juice yet acid added during long slow cooker cooking can affect how the lentils cook and the soup's overall balance. Add lime juice right before serving for maximum brightness.
Step 3 - Cook. Cover and cook on HIGH for 4–6 hours or LOW for 7–8 hours until the dried lentils are completely cooked through and tender. Check at the minimum time for your setting most slow cookers produce perfectly cooked lentils after 5 hours on HIGH.
Step 4 - Add lime and season. Squeeze the juice of 1 lime directly into the finished soup. Stir well and taste. Adjust seasoning more chili powder, more cayenne, more salt to your preference.
Step 5 - Top generously and serve. Ladle into bowls and immediately add your chosen toppings. The soup is genuinely good on its own but the toppings are what make it memorable.
Stovetop Method (45 Minutes)
Step 1 - Heat oil in a large pot over medium-high heat. Sauté the chopped onion, bell peppers, and jalapeños until tender, about 5 minutes. Add the garlic and spices and cook for 1 more minute until fragrant.
Step 2-Add 3 cups of vegetable broth, the crushed tomatoes, and the dried lentils. Stir to combine. Bring to a boil, then reduce to medium-low and simmer covered for 25–30 minutes until lentils are completely tender.
Step 3- Drain and rinse the beans (the recipe specifically notes this keeps the broth clear and removes excess sodium). Add the beans and lime juice to the soup and stir. Cook until beans are warmed through, about 5 minutes. Season to taste and serve with toppings.