does it make sense to pay a little on the premium of my auto loan each month at my current interest rate?

currently i am paying off an $8700 loan at 15% interest. my payments are now $235 per month. i plan on getting refinanced at a much better interest rate with my credit union in a few months. (they require 6 on-time payments before they’ll refinance me. i’m getting ready to make my 3rd of 48 payments.
i would like to start paying about $20 or $30 on the premium — which i would add to each check i send. but does it make sense to do this now (at 15% interest), or should i wait ’til i refinance at maybe around 1/2 that rate?

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