Embodiments of the invention provide a service processing method and apparatus. The service processing method comprises the steps of receiving a processing request submitted by a first user for a target service; acquiring first credit data of the first user according to a first user identifier carried in the processing request; under the condition that the first credit data does not meet the credit admission condition of the target service, determining a second user who carries out credit authorization of the target service to the first user; judging whether the second credit data of the second user meets the credit admission condition or not; and if yes, creating a business order of the processing request, the business order comprising a first sub-order of the first user and a second sub-order of the second user.