you should not cut down on your research on finding and shopping for the best deals even if you find it easy to apply for an online boat loan. You may find something better and save some money otherwise. Do your research well before settling in for one, finding the cheapest and the best boat loan. And a good thing would be comparing what’s available and negotiating on better terms with your lender or the dealer. A dealer’s loan financing would be easier to get processed and approved but it may not be the best.
I think the concept of boat loan calculator is pretty good if you know how to make use of it. You don’t have to call up your agent for more choices. If you like the quotes you can just call up the company directly or send them a mail. Anyway I don’t like the pushy attitude of the loan agents. I know they will pass on the deal which gives them the most commissions even if there is something else that suits you even better.