The invention discloses a vehicle service processing method and a mobile terminal. The method comprises the following steps of collecting data in a vehicle; analyzing the collected data and detecting a condition which meets the requirement of loading of at least one type of vehicle services on the mobile terminal based on a data analysis result; obtaining feature information of the vehicle, and determining at least one vehicle service matched with the feature information of the vehicle from at least one type of vehicle services based on the feature information of the vehicle; loading at least one matched vehicle service and the feature information of the at least one matched vehicle service in the mobile terminal; and responding to an operational order for using a target vehicle service, obtaining payment parameters of the target vehicle service, triggering a handheld mobile terminal to load an electronic payment channel arranged in the handheld mobile terminal, and executing a payment instruction corresponding to the payment parameters through the electronic payment channel. Through implementation of the vehicle service processing method and the mobile terminal, the vehicle service which needs to be used by a user can be quickly and accurately positioned and the fast payment of the vehicle service can be completed.