You should take creatine everyday, the idea of the higher dose on the loading phase is to saturate your muscles with creatine and then keep the levels high with the maintenance dose, i take my maintenance dose just after training as your muscles are more receptive to intake of nutrients etc, although as long as you take it every day it shouldn't really matter what time of day.

This link will give you a better understanding of creatine.

http://www.abcbodybuilding.com/creat...0and_facts.php