This is where the usual "But the Prospector is available in the PTU right now, please dont comment if you dont know anything" post comes into play. Its given nonchalant and means that the Prospector is a flyable ship which can be obtained in the PTU aka its a released asset. You wont have access in the PTU tho if you didnt pay the cash. I mean its possible to get a loaner from any of the people who do own it but you have to beg or ask for one.....the Prospector, THE MAIN CONTENT of 3.2 is behind a paywall
Just for the record; you cant really borrow one in the PU. The actual mining gameplay loop doesnt work in that situation AFAIK.