Creatine works best during a caloric cut, when strength naturally drops. It preserves muscle and pairs well with caffeine and pre-workout formulas to fight the energy deficit. Ignore the bloated look myth: any water retention just means you still have body fat to lose.
Creatine, the best time to take it is on a cut. When are you most likely to lose strength? When you're on a cut. When is creatine gonna help that? When you're on a cut. So it doesn't matter if you're high or low body fat percentage. Don't worry about the water weight thing. If you're lean, you're lean, won't look watery. A lot of time people are like, oh, I'm holding water. And it's like, nah, bro, you're just fat. Call it what it is. Definitely the best time in my opinion to take creatine is when you're on a cut. It's also the best time to supplement with pre-workouts and caffeine and everything when you're in an energy deficit. Energy deficit, I need energy.