An haife shi a Barking, London, Terry ya halarci makarantar Eastbury Comprehensive School kuma ya taka leda a kungiyar Chelsea ta ranar Lahadi ta Senrab, wanda kuma ya hada da 'yan wasan Premier League na Chelsea Sol Campbell, Jermain Defoe, Bobby Zamora, Ledley King da Jlloyd Samuel. A matsayin yaro, ya kasance wani ɓangare na tsarin matasa na West Ham United, ya shiga su a matsayin dan wasan tsakiya a 1991. Ya koma Chelsea a shekara 14, yana wasa da matasa da kungiyoyin ajiya na kulob din. Ya kasance saboda karancin masu tsaron gida ne aka koma shi zuwa tsakiyar baya, matsayin da yake takawa a yau. Bayan kammala makaranta, ya shiga kulob din a kan YTS yana da shekaru 16 kuma ya sanya hannu a kwangilar kwararru a shekara guda.
Hare-haren 11 ga Satumba