Endless waves of monsters will emerge to cut down your tree. Your goal is to survive as many waves as possible.

Defeat enemies to earn gold. The amount of gold you have is shown by the yellow number at the top of the side panel. Tap on upgrades in the panel on the right to purchase them. There are three upgrade types:

• Attack upgrades increase your overall damage output.
• Defense upgrades strengthen your tree's damage resistance.
• Utility upgrades help you earn more gold.

Upgrades can be purchased with GOLD or CREDIT. Credit is unlocked after level 5. Your available credit --- the amount you can charge to your credit card --- is shown in blue under your gold. This will also unlock your FICO score (more on this later). As you purchase upgrades with credit, you incur debt, which is shown as a new number in red, right under your available credit.

Loans

Taking loans increases your debt. Every third wave, a lender may offer you a loan. Accepting a loan offer lowers your FICO score for a few waves. Loans can be in the form of gold. Loans also come with perks, like discounts on upgrades, more gold earned per enemy, and more.

Spells

Loans can also be in the form of SPELLS --- powerful magical abilities that will be essential to survival in later waves. If you accept, you unlock the spell and pay for it over 12 waves. If you skip the payment on a spell for two waves in a row, the lender takes the spell from you.

Tap on the spell icon then tap where you want to use it. Each spell has a cooldown time, which means you have to wait a bit before you can use them again. These are just a few of the spells in the game:

• Chain Lightning - lightning is cast from the heavens and arcs from enemy to enemy

• Tangling Roots - slows down all approaching enemies

• Meteors - calls a meteor shower on unsuspecting enemies

• And many more!

Debt Repayment

After each wave, you'll see a "Repay Debts" screen that lists every debt you owe, along with its interest rate and minimum payment. Drag the slider next to each item to choose how much gold to pay, or tap one of the four buttons at the top:

• Pay minimums: Pay the minimum amount on each debt without incurring a late fee. This will result in more interest paid next wave.
• Pay the bill: Pay off your full credit card balance plus the fixed payment on each loan. This button is grayed out if you don't have enough gold.
• Pay max: Pay using all the gold you have, starting with the debt that has the highest interest rate.
• Skip payments: Don't pay anything. This will incur a late fee and more interest paid next wave.

FICO Score

Your FICO score --- also known as your credit score --- ranges from 300 to 850. Tap the score at the bottom right corner of the screen to see your Credit Report. This shows what helps or hurts your credit. A higher score gets you better loan offers, lower interest rates, more gold per monster and more Rings at the end of a run. To raise your FICO score, pay at least the minimum on time, keep your card balance under 30% of its limit and avoid accepting every loan offer.

Your FICO score and purchased upgrades, including spells, are lost when your tree's HP reaches zero. Immediately after a run ends, you'll earn Rings and XP. Spend Rings in the Upgrade Shop on permanent upgrades so you can survive longer on your next run. XP raises your level, which unlocks new upgrades, lenders, and spells.

How to play Forest Rush: Credit Defense on your phone

To play Forest Rush: Credit Defense easily any time, you can add it directly to your phone as an app. It’s a great way to play without worrying about losing your game save data.

For iOS devices, simply tap the "Share" icon in Safari and select "Add to Home Screen". For Android devices, tap the “Menu” icon and select "Install App".