Are you sure your RAM is OK? How much RAM do you have? RAM is very cheap. I bought 8 GB for 50 EUR the other day.
My loading screen is near instant, but it is in every game. WoW, MoP, TERA, GW2, SWTOR (OK that one is the slowest). I use SSD, and mechanical SATA2 + RAID0 for games I don't often play. SSDs are afforable nowadays.
On my previous graphics card and before SSD with SWTOR I lowered my settings. That improved performance in WZ and also loading screens. There's nothing like waiting 2 minutes in Corellia before you can do your dailies... (which are boring as hell anyway, but that is a different discussion)