In this paper, a point contact elasto-hydrodynamic lubrication model considering internal cracks in materials is presented. The effect of crack on Von Mises stress was shown by adding disturbed displacement to the film thickness equation. The method not only takes into account the interaction of fluid-structure in the EHL contact but also the internal crack under the actual working conditions. In this paper, the iterative method is used to solve the problem until the oil film thickness and pressure converge simultaneously. The process is simple and convenient. Sample cases are presented to analyze the effects of crack size and location on oil film thickness, pressure and subsurface Von Mises stress. The results indicate that the stress concentration occurs at the crack tip due to the existence of crack; With the increase of crack length, the oil film thickness increases, while the pressure decreases; With the increase of crack depth, the oil film thickness decreases, while the pressure increases.