In the paper, the crack parallel to and lying on the interface in the hard cermet cladding material structure is taken as the study object. Theoretical models of the stress intensity factor (SIF) of the interface crack under steady mechanical-thermal coupled loads are built. Based on which the interface crack SIFs in the cermet cladding material of 5Cr2Ni08C/Q235 under the same loads are analyzed with the finite element method. The crack SIF change laws under the coupled loads are obtained. KI increases with the increase of the temperature, the mechanical load and the crack length respectively. The absolute values of KII have the same change laws. And KI corresponding to the coupled loads is bigger than that to the single load. The research results are very important to develop the interface crack propagation theory. And they will also improve the optimization designs of the hard cladding material parts, and expand their applications.