In this article, a disturbance observer dynamic linearization (DL)-based model-free adaptive control (MFAC) scheme is proposed for discrete-time nonlinear systems with disturbances and uncertainties. The partial-form-dynamic-linearization-based disturbance observer (PDO) is constructed by applying the DL method to an unknown ideal disturbance observer. An adaptive updating algorithm of the observer gain is derived by minimizing a estimation criterion function. Then, the PDO-based MFAC scheme is formed and its bounded stability is rigorously analyzed using the contraction mapping principle. The proposed scheme is a purely data-driven control method, that is, both the PDO and control system are designed by using only the input/output data of underlying system. A numerical simulation and a vehicle turning experiment are given to verify the effectiveness of the proposed scheme.