Fatigue damage is the most dangerous failure behavior for gearbox suspenders in urban railway vehicles, and passenger capacity is crucial to the dynamic load characteristics of the traction transmission system. Therefore, in this paper, a dynamic model of the motor car is established, and a numerical simulation is carried out under different speeds and curve radii to investigate the effect of passenger capacity on fatigue life. The research results show that passenger capacity is an essential factor affecting the fatigue life of suspenders. As the vehicle runs at an average speed, the fatigue life of the suspender is 1.07 × 106 km when the passenger capacity is 120 people; when there are 240 people, the fatigue life reduction is 60%, while it is 86% at 339 people and 92% at 389 people. The per capita fatigue damage under a straight line is 7.27 × 10−10 at 20 km/h but 1.23 × 10−8 at 60 km/h. The per capita fatigue damage under a curved line is 7.18 × 10−9 in the 600 m curve but 9.00 × 10−9 in the 400 m curve. It can be concluded that the effect of speed is more significant than the curve radius. This research achievement can provide theoretical support for vehicle design and maintenance decisions.