You usually get your points in 48 hours if I remember correctly. And right now you can only borrow 50% of the points from following year. However if you were to buy direct this month and got an April UY you would get 2020 points that could be banked into 2021 by Disney as a courtesy so you would have extra points an wouldn’t have to maybe borrow. A March or February UY would only come with 2021 points.I have no clue when direct contract points become available and if you can borrow right away. Thanks!