In response to the issues of high heat dissipation density, large heat generation, and low heat dissipation efficiency of proton exchange membrane fuel cells, this paper develops a vehicle fuel cell heat dissipation performance test bench. The bench employs HFE-7100 phase change cooling fluid and utilizes three distinct configurations of heat exchangers under ambient conditions of 35°C. The heat dissipation characteristics of the system are then analyzed under varying working fluid-flow rates and fan speeds. The results demonstrate that, when subjected to the same fan speed and working fluid-flow rate, the system with three-process heat exchangers exhibits the most optimal heat dissipation performance. The heat dissipation of the system is observed to be 7% to 16.7% higher than that of the two-process configuration, and 5.1% to 7.2% higher than that of the four-process configuration. Moreover, the energy efficiency ratio of the system ranges from 18.58 to 26.62, indicating a notable reduction in energy consumption when compared to the two-process (3.9% to 10.3% improvement) and the four-process (7.4% to 12.7% improvement).