Yes, but if you want to use charts for any areas that aren't PRE-LOADED, like say, Europe or the South Pacific, it will allow you to use them. It is only pre-loaded with certain charts, usually either the Inland US or Coastal US waters. He, the OP, was asking about international charts.
Dog, garmin says the blue charts are pre-loaded in the 640! Screen size would be a issue with me. Basically 4.5"W x 2.7"H , note card size. For $1200 these old eyes want a bigger screen. I would think you could buy a 545 Garmin (3 x 5 screen) and have plenty left over to get a nice street pilot.
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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Still—DON'T READ THAT POST AGAIN.