Loading speeds up the rate at which your muscles will be saturated, its not essential to load, hell, its not even essential to take it post or preworkout.
Three different schools of thought with creatine.
Pre workout: People who do this do it because the creatine will be digested, so the logic here is that when you use it the creatine thats digested will be used, sparing some of the creatine thats already there in you.
Post workout: People who use it here go by the sugar intake idea, your going to cause an insulin spike, might as well make sure the creatine is packed in with the muscle.
Anytime: Pretty much, creatine works when your muscles are saturated with it, so the premise here is that as long as your taking it, your going to
restore it anyway, so don't worry.
Again its up to the individual, some people get better results with different things.