I don't fully understand what you're trying to do, but I've got a few suggestions. Apologies if I'm teaching you to suck eggs here.
If your "loading rate" is correct, then the inertial effects you're seeing will be correct will they not? If you want to speed the analysis up without influencing your results too much, you can do a number of things. First of all, try "mass scaling". Just increase the mass density throughout your model by a factor of 10 and check the results to see if you get any artificial inertial effects - if not, increase by 10 again and so on. You'll find quite an improvement on analysis time. Be careful about your load though, as initially the loading rate you apply should match that in the physical system (to check for effects of this load) - especially if it is applied quickly or relatively quickly with a large mass etc., when you're pretty sure to get inertial effects. If these aren't present, or not important to you, you could just analyse it in a couple of steps statically using implicit.
Secondly, the analysis time using explicit time integration is proportional to the smallest element size in the model - the smaller the element, the smaller the time step, the longer the analysis takes etc. (this is based on the speed of wave propagation across the elements of your model). So try and keep your mesh as uniform as possible to avoid this, and go to a more coarse mesh if you can.
Cheers,
-- drej --