In this paper, the radial basis function finite difference method is used to solve two-dimensional steady incompressible Navier–Stokes equations. First, the radial basis function finite difference method with polynomial is used to discretize the spatial operator. Then, the Oseen iterative scheme is used to deal with the nonlinear term, constructing the discrete scheme for Navier–Stokes equation based on the finite difference method of the radial basis function. This method does not require complete matrix reorganization in each nonlinear iteration, which simplifies the calculation process and obtains high-precision numerical solutions. Finally, several numerical examples are obtained to verify the convergence and effectiveness of the radial basis function finite difference method based on Oseen Iteration.