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Preheat the oven to 350°F (175°C) and grease a 9×5-inch loaf pan or line it with parchment paper.
In a medium bowl whisk together flour, ¾ cup sugar, baking powder, and ½ teaspoon cinnamon until evenly combined.
In a separate bowl whisk the eggs, then add oil and milk and whisk until smooth.
Pour the dry mixture into the wet and fold gently with a spatula until just combined; do not overmix.
Fold in the diced apples and any optional add-ins like nuts or dried fruit, distributing them evenly.
Spoon the batter into the prepared pan and smooth the top with a spatula.
Mix ¼ cup sugar with 1 teaspoon cinnamon and sprinkle evenly over the batter.
Bake for 50-60 minutes or until a toothpick inserted in the center comes out clean or with a few moist crumbs; tent with foil if the top browns too quickly.
Let the loaf cool in the pan for 10-15 minutes, then lift out with parchment and cool on a wire rack. Serve warm or at room temperature.