Cheryl Ann Tweedy was born in Newcastle upon Tyne on 30 June 1983, and grew up on council estates in the suburbs of Walker and Heaton. She is the fourth of five children of Joan Callaghan, and the first of her two children with Garry Tweedy following the collapse of her marriage to the father of her three other children. Cheryl's parents were together for more than a decade but never married; they separated when she was eleven years old. At the age of seven, Cheryl appeared in a television advert for British Gas.

In 2004, Girls Aloud released a cover of The Pretenders' "I'll Stand by You" as the official single for the BBC's charity telethon Children in Need. In 2007, the group announced a joint release of Aerosmith and Run DMC's "Walk This Way" with Sugababes as the official single for the UK's other major charity telethon Comic Relief. The song was recorded at Comic Relief co-founder and trustee Richard Curtis' request.  In March 2009, Cheryl climbed Mount Kilimanjaro in aid of Comic Relief. The climb, organised by Gary Barlow, was also undertaken by fellow Girls Aloud member Kimberley Walsh, as well as Alesha Dixon, Fearne Cotton, Denise Van Outen, Chris Moyles, Ben Shephard, Ronan Keating and Barlow himself. Between 3 February and 23 March 2009, Cheryl, Walsh, Barlow, Moyles and Cotton also raised money for Comic Relief by providing the voice for the BT Speaking Clock. All nine celebrities reached the summit of Kilimanjaro on Saturday, 7 March 2009. Cheryl, along with Cotton, Van Outen and Shephard, reached the summit first at sunrise. The trek raised PS3.5 million for the charity. In February 2011, Cheryl launched her own charitable foundation with The Prince's Trust following a meeting with The Trust's President, HRH Charles, Prince of Wales. The Cheryl Cole Foundation is meant to provide vital funds for The Trust in the North East, which was set up to help disadvantaged young people from Cheryl's region. On 13 June 2011, she auctioned 20 dresses with ASOS to raise funds for the foundation.  In September 2011, Cheryl became the latest "Forces' sweetheart" when she visited British soldiers in Afghanistan. On 23 January 2015, Cheryl announced the launch of a second charity, once again alongside The Prince's Trust. The charity was named Cheryl's Trust, and was set up with the aim of raising PS2 million to build a centre, which will support up to 4000 disadvantaged young people in her native city of Newcastle. To raise these funds, Cheryl has thus far teamed up with Prizeo in March 2015, setting up a styling session competition, and also launched a limited edition Belgian Chocolate Bar with Greggs in August 2015; 5p proceeds from each sale being donated towards the trust. In November 2016, she became the ambassador of the charity ChildLine.

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In February 2011, Cheryl launched her own charitable foundation with The Prince's Trust following a meeting with The Trust's President,