An image processing method and apparatus, and a terminal, that relate to the field of data processing, so that a photographed image can be clearer, thereby effectively improving image processing efficiency. The method includes acquiring luminance of a current photographing environment and a photographing moving speed of a target object; determining an exposure parameter and a gain parameter according to the luminance of the current photographing environment and the photographing moving speed of the target object; and processing an acquired image of the target object according to the exposure parameter and the gain parameter. The present disclosure is applicable to data processing technologies.