"loading" is just a way to hit saturation more quickly. like LV says, you really don't need to load. the supp companys want you to load so you use more product, so many labels still include a loading phase.
Karky is right. the average 200lb male will reach creatine saturation after 21days, taking 5g doses once per day. And that does take into account that you're working out and thus lowering creatine levels.
In fact, if you're under 200lbs, you probably only need 3-4g of creatine a day...if you're on a budget crunch. otherwise do the 5g dose, which is a heaping teaspoon. (and I"m talking about measuring spoons, not the spoons you eat with, which are bigger than a 1 teaspoon in volume)