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Hello: This is Attorney Phillips. Welcome to Justanswer! I will be assisting you today with your post. I am sorry to read about your difficulties.
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You need to file complaint with your Attorney General's Office and Better Business Bureau. This is an unfair and deceptive act and practice. You cannot be given three months to pay, but not given a place to pay it. 198% interest is outrageous and illegal.
You only owe for the three payments. If you have already made the payments, you do not owe anything else to the repair shop.
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Go to the mechanic shop and report your issues. If you have outstanding balance (not the one with 198% interest), take the check to the store and pay it there and make sure you are given a receipt. Sometime is quite wrong there.