Here's a solid creatine resource:
Everything is well marked with scientific research.
From the report:
My personal feeling is that the loading process can be used, but in reality it is not necessary, the loading phase goes a long way towards selling more creatine for companies as way more is used.
I have never really loaded, and to be honest don't see a noticeable bloat although I did still gain some water weight.
John Berardi tell's clients that are worried about weight class to take a 1/4 teaspoon serving spread out 3-4 times per day and he feels it almost completely eliminates the bloat.
One thing to keep in mind if your trying to lose weight/improve percent body fat is that the scale isn't going to tell everything. If your lifting you can be dropping fat, but since you are adding lean body mass the scale won't reflect the fat loss. Your more likely to see improvements in the mirror over anything assuming your trying to add muscle as well.