I highly recommend the HS:CRE for $9.95. That's a great price and the micronized texture is a real plus for mixing it into almost anything. It's the real deal too, as I've just completed a full cycle with it and I got all the "creatine effects" that much more expensive creatine has.
Not to sound like too much of a shill for Bryan, but it really is a great deal!
I don't do loading, just take the 5 grams a day with water prior to my workouts {even on off days} and I found that I was "loaded" within 2-3 weeks of starting. You can load if you want to take it 4-5 times per day.