There is no difference. Some loans could have a penalty for early repayment, but I've really only seen that to prevent immediate repayment for when there is an incentive to finance a car purchase.

As a side note and coming from a financial planner/boat owner, financing a boat in general is not a good idea. Even a new boat tends to be a cash drain, and it only gets worse as you get several years into the life of a boat. But if you are a previous boat owner, you probably know what to expect.