Loading creatine imo is not necessary. You will do just fine at taking 5g a day as that is what is basically needed to keep intracellular stores filled.
"Studies" show there isn't any time better than another to take creatine, but I would have to disagree. Albeit I'm not in a lab doing any type of testing but, I have been in the field for many years and taking 5g post workout would be the most ideal time to supplement with your creatine mono of choice.
Insulin (a shuttling hormone) is going to be very high post workout, thus leading to a greater ability to uptake creatine intracellularly. This is that holy grail post workout window of 15-30min where you can really drive nutrients hard into the cell. If taking your carbohydrate powders and protein powders and so on all fit perfectly here...why wouldn't something else we want inside the muscle not make sense being taken at this time (i.e creatine)
On days that I don't train, I take 3-5g creatine mono with my first meal.
I would also suggest looking into supplementing with beta-alanine (if you aren't already) right alongside your creatine timing. Adding beta-alanine to the mix may also aid in the uptake of one another!
Beta-alanine combines with histidine to be uptaken into the muscle and form carnosine. Supplementation of beta-alanine has basically been proven to delay muscular fatigue thus leading to more reps and more time under tension!
Killer combo