Alright here's the deal with the "loading" phase.
Taking 20 grams for 5 days gets creatine in your muscles to its max stores after the 5 days.
Studies have shown you can get a full muscle concentration of creatine by simply taking a regular dose, 3-5 grams for about a month.
So after one month, you will be at the same point. And you will have to just take a maintanance dose to continue to keep your muscle concentration.
Personally unless you are in a rush, save yourself the possible heck of cramping and take 5 grams a day for a month.