Yes, it can be loaded, with or without a round chambered if you're OCing. CC (concealed / car carry) requires a license. You can carry an unloaded firearm in your car without a license.
Feel free to read the FAQ or other sticky topics, as all these questions have been answered there (and many times and places throughout the forum).
Disclaimer: I am not a lawyer, use this info at your own risk. The views expressed in this post may or may not be related to mine.