Yes, the word "loafer" can be considered mildly derogatory or pejorative depending on how it is used in conversation. Historically and colloquially, calling someone a loafer means characterizing them as an idle, lazy person who spends their time avoiding work and idling about without productive purpose. While it is not an intensely severe insult compared to profanity, it carries a distinct negative judgment regarding someone's work ethic. Interestingly, the exact same word also refers to a popular, casual slip-on leather dress shoe (the loafer shoe), which has entirely neutral fashion connotations. You can verify contextual usage through standard English dictionaries and idiom guides.
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