A three-dimensional finite difference electrical-thermal model for resistance spot welding nugget process of mild steel and stainless steel is introduced. A simulation method of the interaction of electrical and thermal factors is presented. Meanwhile, calculation method of contact resistance and treatment method of heater structure is provided. The influence of the temperature dependent material properties and various cooling boundary conditions on welding process was also taken into account in the model. A method for improving the mild steel and stainless steel joint was analyzed in numerical simulation process. Experimental verification shows that the model prediction agrees well with the practice. The model provides a useful theoretic tool for the analysis of the process of resistance spot welding of mild steel and stainless steel.