Even using loops, provided you've edited them together to make them 'yours" still puts you in a producer realm. Obviously, some work needs to go into it before the producer can give themselves credit; editing, sampling, transitioning, mixing, mastering, etc. are what separate a kid in 7th grade using garageband from a commercial producer. I've been learning how to EQ things for years, and still have barely scratched the surface as far as the depth of production.
@Ezkimo... I use Logic, and love it. If you ever get your hands on a mac, check it out for sure.