You lose nothing when using someone's referral link. A person receives a commission depending on your lending deposit, but you lose nothing.
Some guys offer to give back all the commission the'll get from your registration.
But I believe it's not a wise option:
A) guy can just 'forget' to send you his commission back
B) that's not too much

This is why I advice you to register without any referrer or find a referrer who will share his expertise with you.
Expertise costs more than money.

You can PM me if you'd like to join my team.